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Rain lashed against my hotel window as I frantically rearranged conference tables. My Montreal client’s flight would land in three hours, and I’d just discovered my catastrophic error: I’d scheduled our merger signing on Journée nationale des Patriotes. Quebec offices would be shuttered, signatures impossible. Panic clawed my throat – this $200K deal was evaporating because I’d confused provincial holidays. I smashed my fist against the minibar, sending miniature whiskey bottles clattering. How

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Remember that acidic taste of panic when numbers blur into financial quicksand? I do. Last quarter's tax deadline had me sweating over QuickBooks at 3 AM, accidentally paying a vendor from the emergency fund instead of operating cash. The overdraft fees felt like punches to the gut - $127 vanished because I'd mixed up two Excel tabs labeled "Payroll" and "Client Deposit Hold." My business checking account resembled a junkyard where every dollar scrapped for survival.