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Rain lashed against my office window as I stared at the HMRC letter - another £3,200 sliced from my investments. My knuckles whitened around the crumpled paper, remembering the countless nights spent reconciling trades across Barclays, Hargreaves Lansdown, and Freetrade. Each platform demanded different logins, displayed incompatible tax reports, and made my ISA transfers feel like solving a Rubik's cube blindfolded. That familiar acid taste of financial helplessness rose in my throat until Sara

Rain lashed against my home office window like a thousand ticking clocks counting down to disaster. My dual monitors flickered with the sickly green glow of crashing indices when the unthinkable happened - my trading platform froze mid-sell order. That metallic taste of panic flooded my mouth as Nikkei futures vaporized before my eyes. In that suspended moment, muscle memory made my fingers claw at the phone vibrating violently in my pocket. The lock screen showed twelve consecutive alerts from

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