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Rain lashed against my office window as I stared at the HMRC letter - another £3,200 sliced from my investments. My knuckles whitened around the crumpled paper, remembering the countless nights spent reconciling trades across Barclays, Hargreaves Lansdown, and Freetrade. Each platform demanded different logins, displayed incompatible tax reports, and made my ISA transfers feel like solving a Rubik's cube blindfolded. That familiar acid taste of financial helplessness rose in my throat until Sara

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The stale coffee smell in my cubicle mixed with the bitter aftertaste of another ghosted Hinge conversation. My thumb ached from the mechanical left-swipe reflex I'd developed after 18 months of digital dating purgatory. Every pixelated smile felt like a taunt – another potential connection dissolving into the ether of "hey" and radio silence. I was about to delete every app when Rachel slid into my DMs with screenshots of her eharmony matches. "It's like dating with a PhD," she typed. Intrigued

Rain lashed against the rental car windshield somewhere in the Scottish Highlands when that sickening thunk-clunk echoed from the rear axle. My knuckles went white on the steering wheel as the dashboard lit up like a Christmas tree. Stranded on a single-lane road with sheep for company, panic tasted metallic - like biting aluminum foil. That's when my trembling fingers fumbled for salvation: the banking app I'd casually installed months earlier.

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