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In this scenario, you are in urgent need of $10,000 for a kidney transplant and approach me, the lender, who possesses the funds. Understanding the risks involved due to the uncertain economy and your post-surgery job security, I am cautious about lending you the money. To ensure you can repay the loan, I inquire about collateral. You mention a valuable watch, inherited from your great-great-grandfather, which could be worth around $30,000. This collateral reassures me of your commitment to repaying the loan, setting the stage for a potential agreement.