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It was one of those frantic evenings when life decides to test your patience. I was stranded in a quaint café in downtown after a long day of meetings, craving a warm latte and some peace. My phone buzzed with a reminder: rent was due tonight, and I had completely forgotten amidst the chaos. Panic set in as I fumbled through my physical wallet, only to find my primary debit card declined due to some obscure security flag. The barista's sympathetic smile did little to ease my rising anxiety. In t

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