At 2 a.m., I received a call from an unknown number.


The other person said, "Hello, I am your dedicated financial advisor. I have a high-yield product I want to recommend to you."
I said, "Do you know what time it is now?"
He replied, "Yes, it's two o'clock. But anyone still on the phone at this hour must be really short on money."
I wanted to argue, but I realized he was right.
I asked, "What product is it?"
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