Some ten minutes after falling to sleep, I’m wakened by my cellphone alerting me for a text message. My heart beats a bit faster, as there could be some emergency since very few people know my cellphone number, who wouldn’t text me in the middle of the night to send a joke. I fumble in the dark to check out the message:

From 0927 85323537: “Hi! This is ham of chinatrust bank, offering cash loan from 1.39% up to 1.79% monthly, for employed and self employed, if interested pls reply.”

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