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Rain hammered against my windshield like angry fists as smoke started curling from the hood near the Wyoming border. That acrid smell of burning electronics mixed with damp upholstery still haunts me - our family SUV dying in the middle of nowhere with three crying kids in the backseat. The tow truck driver's estimate made my stomach drop faster than the temperature gauge: $2,800 for repairs, cash upfront. My wallet held $47 and maxed-out credit cards. That moment when the mechanic's shop door c

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