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Rain lashed against my windowpane like pebbles thrown by an angry child. Outside, Mrs. Henderson’s hunched figure shuffled through the mud, plastic bag clutched over her head like a pathetic shield. I knew where she was headed—the bus stop for that soul-crushing two-hour ride to the nearest bank branch. My knuckles whitened around my coffee mug. This wasn’t just rain; it was a flood of helplessness drowning our town. Every pension day, I’d watch Mrs. Henderson and others risk pneumonia or worse.

Rain lashed against the window as I stared at the spreadsheet – columns bleeding red across three different brokerage dashboards. My fingers trembled not from caffeine, but from the sickening realization that I’d just missed a 12% overnight surge on NVIDIA shares. Again. Why? Because my "efficient" system involved checking Firstrade for U.S. stocks, Revolut for European ETFs, and a local broker for bonds. Each login required unique authentication nonsense; each platform updated prices at glacial

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Another Tuesday evening, another soul-crushing standoff with Hamburg's monsoon-season traffic. Rain lashed against the office windows like pebbles thrown by a furious child, while my phone screen flashed its third taxi cancellation in ten minutes. "No drivers available," it lied – I knew they'd all fled toward drier, richer fares. My shoes were already developing their own ecosystem from the sprint between U-Bahn stations, and that familiar acid-burn of urban despair started creeping up my throa

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