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... oticed Jaden’s smile fade. He took a deep breath, trying to suppress his disappointment, and asked, "Could you tell me why I don’t meet the loan criteria?" After a moment, he forced a bitter smile and said, "Okay, I understand. Thank you for your assistance." He put his phone away, twisted open a bottle of water, and stared at the distant mountains as he drank silently. Avery waited until he finished the entire bottle before asking, "Jaden, why was your loan application denied?"

Jaden sm ...

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