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It was a busy Thursday morning at First National Bank, in a small Ohio town. The air smelled faintly of coffee and paper, the kind of mix that lives in every office across America. The flag outside the window waved proudly in the cool wind, while inside, people waited impatiently in line as numbers blinked on a small red display above the counters. James Carter—twenty-four, former Army mechanic, now a construction worker—stood quietly near the back. His cap was pulled low, his work boots coated

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