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In this scenario, you urgently need $10,000 for a kidney transplant, and I have the funds to lend. However, I'm cautious about lending money due to the uncertain economy and potential job security issues after your surgery. To ensure you can repay the loan, I notice a valuable watch you own, which you claim is a diamond-studded Rolex worth $30,000. Acknowledging its value, I consider it as a potential collateral to secure the loan, as it demonstrates that you have an asset to back up your ability to repay.