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Rain lashed against my apartment window that Tuesday night, mirroring the storm inside my head. I'd just received a fraud alert for a $347 charge at some obscure online retailer - the third mysterious deduction that month. My hands shook scrolling through banking PDFs, each page a blur of numbers that refused to add up. That's when my roommate tossed his phone at me mid-sentence: "Stop drowning in paper, idiot. Get Mint."

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The rain hammered against my office window like angry fists, each thunderclap rattling my antique desk lamp. I'd escaped London for this remote Welsh cottage to finish my novel, trading Tube delays for sheep-dotted hills. My fingers flew across the keyboard, chasing that elusive flow state writers kill for – until darkness swallowed the room mid-sentence. The storm murdered the power grid. My MacBook gasped its last 8% battery warning. Panic, cold and metallic, flooded my mouth.

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