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And if they know about strategy, they'll wait until the last minute.

Oh yeah, it's what I'd do.

Ok then, I'll start saving up the HBD now so I'm ready to pay my debts.

I have my funds locked and loaded.

OK then, let's see how it unfolds.

You owe me 5 bucks lol.

I'll send it through.

It's fine. Send it to the one who responded here.