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I was standing in the heart of London's bustling King's Cross station, the scent of rain-soaked pavement and exhaust fumes filling the air, when my world tilted. My wallet—gone. Stolen, probably in the rush of the morning commute. Panic clawed at my throat, cold and sharp. I had a critical business meeting in two hours, and without access to funds for a taxi or even a coffee to steady my nerves, I felt utterly stranded. My phone buzzed in my pocket, a lifeline I almost forgot. That's when I fumb

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