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Rain lashed against the bus window as I clutched the soggy envelope containing my first freelance payment. Forty minutes late to the bank's 4:55 PM cutoff, I watched the security guard flip the closed sign just as my shoes squelched through the doors. That damp paper symbolized everything broken - hours wasted in transit for a transaction that should've taken seconds. My designer client's deadline loomed while I stood dripping in a marble tomb built for financial inconvenience.

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