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agony anger anxiety arduous bad bankrupt bankruptcy bill bills business crisis deadline deadlines debt debts depressed depression despair difficult difficulties difficulty distress doubt doubts down economy evaluation face fear fears feel feeling feelings frustrating frustration future guilt hard health hopeless job life lost low management mental miserable misery negative overtime person personal pessimism pessimistic problem problems race rat recession sad setback setbacks sleep strenuous stress struggle target targets time tired tough unhappy work worries worry worrying