Question: After pulling an all-nighter studying for an exam, you need a cappuccino to keep you awake for the test. The bank's Web site shows that

After pulling an all-nighter studying for an exam, you need a cappuccino to keep you awake for the test. The bank's Web site shows that you have $25 left in your account. You head to the coffee shop to purchase your cappuccino, assuming the debit card will be declined if there are insufficient funds.

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