By the final payment, Charlie was back at the window. He was "chocolate debt-free," but the cravings were back. He looked at the sign. He looked at his phone.

One Tuesday, staring through the glass at a box of sixteen hand-painted pralines, Charlie saw a new sign:

Charlie didn't hesitate. He tapped his phone, felt the satisfying ding of approval, and walked out with the gold-foiled box. That night, he ate the first four. They tasted like cherry, oak, and financial freedom.

By the third payment, the box was long gone. The gold foil was in the trash, and the taste was a distant memory. Yet, there it was on his banking app: DUPONT CHOCOLATIER - $15.00 (3 of 4). It felt like paying for a ghost.

"Monsieur," Charlie gasped, "You’ve joined the digital age?"

Two weeks later, the second payment hit his account just as he was eyeing a salted caramel bar. He felt a phantom sting in his bank balance, but the memory of the praline’s ganache center dulled the pain.

"Monsieur," Charlie said, stepping inside. "Do you have anything in an eight-payment plan?"

The chocolatier sighed. "The cocoa market is volatile, Charlie. People need their fix, but they cannot always find the twenty euros upfront. Take them. One payment today, three more every two weeks."

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