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Sweat prickled my neck as I stared at the tow truck's flashing lights, stranded on Highway 61 with a shattered alternator. The mechanic's estimate - $847 - might as well have been $8 million. My wallet held $23 cash, and payday was five days away. Frantically swiping through banking apps on my cracked phone screen, I remembered downloading Mid Minnesota Online Banking during a coffee-fueled midnight tax session months prior. That rainy roadside moment became my financial awakening.

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The parking lot smelled like wet asphalt and frustration that Tuesday morning. Rain lashed against my jacket as Mrs. Henderson glared at her watch, her foot tapping like a metronome set to fury. I used to dread these moments—fumbling through soggy paperwork, praying the clipboard wouldn’t slip from my trembling hands. But that day, everything changed. I pulled out my phone, opened the HQ Rental Software tool, and scanned her SUV’s license plate. In seconds, her contract loaded, crisp and digital

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