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The smell of burnt onions still hangs in my kitchen like a bad omen. That Wednesday evening started ordinary – chopping vegetables, NPR murmuring in the background. Then my phone erupted. Not one alert, but a screaming chorus of them, vibrating across the counter like panicked insects. FOMC decision. Emergency rate hike. My spatula clattered into the sink as I scrambled, greasy fingers smearing across the screen. Retirement accounts bleeding out in real-time. Pension funds weren’t supposed to ev -
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