A notebook with the words “TIME TO NEGOTIATE” printed in bold, black letters, accompanied by a black pen—perfect for strategizing how to negotiate better rates on loans.

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A notebook with the words "TIME TO NEGOTIATE" printed in bold, black letters, accompanied by a black pen—perfect for strategizing how to negotiate better rates on loans.

A notebook with the words “TIME TO NEGOTIATE” printed in bold, black letters, accompanied by a black pen—perfect for strategizing how to negotiate better rates on loans.