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The bank manager's polished mahogany desk felt like an executioner's block as his polished Oxfords tapped a death march under it. "Insufficient creditworthiness," he declared, sliding my mortgage application back like contaminated waste. My knuckles whitened around the coffee cup – lukewarm, bitter, mirroring the acid churning in my gut. Outside, London's drizzle blurred red double-deckers into bleeding smears, a perfect metaphor for my financial oblivion. That night, whiskey couldn't scorch awa

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