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The scream of whistles and pounding cleats faded into white noise as my blood ran cold. There, on the sun-baked aluminum bleachers, the calendar notification blazed: FEDERAL PAYROLL TAX DEPOSIT DUE IN 73 MINUTES. My fingers trembled against the phone case – trapped at my son's championship game with no laptop, no printer, just the suffocating dread of IRS penalties. That's when I fumbled open the payroll app, my last lifeline.

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