as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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create a story starter.
user
it was a cold night, and the wind was howling through the city streets. the lights flickered ominously in the distance, as if they were warning of something sinister to come.
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