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Rain hammered against the steakhouse windows like impatient diners tapping credit cards, each droplet mirroring my rising panic. I'd just realized my physical loyalty cards – those flimsy rectangles of promised discounts – were drowning in my flooded glove compartment three blocks away. Across the table, my anniversary date sipped wine obliviously while I mentally calculated the humiliation of explaining why our celebratory dessert would vanish. Then I remembered the gamble I'd taken weeks prior