The other night I was going home on the subway and two large and stylish (black) girls in their early 20s were squeezed into the seat behind me... Both had sunglasses on, and done-up nails, and really bright cool t-shirts and dark jeans.
Halfway through the ride, the one gets on the phone and the call ends up being about personal financial information - she had taken out a payday loan and thought she had paid it off, only she hadn't, and so the interest was running up.
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