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I was more than a little surprised when The Dunkin Donuts Guy handed me back my bank card. "I'm sorry," he said. "It's been declined." I did that slow blink of surprise that morphed into embarrassment. "What?" I said, as I looked around at the other caffeine and sugar addicts hoping no one had overheard. Unlike my credit card, with which I have a love-hate-denial-did-I-say-hate relationship, my bank card is linked to my checking account. I keep a precise mental tally of my account balance that would make Ebenezer Scrooge say, "Damn Boo!" READ MORE

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