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Wind howled against the cabin window as I frantically dug through my backpack. Somewhere between Denver’s airport security and this remote Colorado ridge, my wallet had vanished – along with any hope of paying my overdue power bill before midnight penalties hit. Freezing rain blurred the pines outside while panic blurred my thoughts. That’s when the Cobb EMC app’s notification pulsed on my dying phone: "Grace period expires in 47 minutes." My knuckles turned white gripping the device.

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