Gary Oldham

SOME MAY HAVE bad memories of buying that first car. For others, recollections of purchasing a bum computer, house or even a bottle of weight-loss pills could be what’s causing all those late-night anxiety attacks. A broken guarantee here, a promise fallen through there, and suddenly all that’s left is a car repair bill in the thousands and lingering doubts that the dusty ten-speed bike can make it to the office.

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