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Man using smartphone and credit card for buy now pay later service. Digital with shopping. Fintech, BNPL, and e-commerce online payment concept.

A man using smartphone for online shopping with payment later. Buy now pay later online shopping concept. BNPL.

Man dumbbell gym exercise fitness strength training workout athlete arm shoulder focused man lifting dumbbell during lateral raise in indoor gym with determined expression

Athletic woman lifting dumbbells in lateral raise exercise inside bright modern gym with floor to ceiling windows and city skyline, focused posture and strong toned arms

Man gym dumbbell workout strength training shoulder exercise fitness muscular focused indoor adult male doing dumbbell lateral raise modern gym, building strength and endurance with intense focus

Wooden blocks display the words now, later, and vs, inviting reflection on decision-making. The bright yellow background enhances their playful arrangement.

ALS Disease Awareness and Amyotrophic Lateral Sclerosis Medical Diagnosis Concept

Mature woman traveler in airport terminal looking at boarding pass, excited for her dream trip in later life; active retiree embracing independence and global travel, freedom and life goals.

Young caucasian woman performing lateral raises, bright gym background, mirror reflections, focused expression, light dumbbells, athletic crop top, controlled

A hand holds a wooden block labeled Later, positioned beneath two stacked blocks that read Now and VS.

Female trainer performing lateral raise with dumbbells, modern concrete gym backdrop, focused expression, blue tank top, full body posture, shoulder isolation,

priority, now vs later choice, procrastination concept, postpone task in to do list

Woman having elbow ache for concepts of Tennis Elbow, muscle pain, lateral epicondylitis, Bursitis, injury, Office syndrome. Health care and medical Health concept

Young adult Caucasian man stretching legs during gym workout, preparing for strength training and fitness routine. Useful for sports wellness, exercise program, healthy lifestyle marketing

Woman performing a lateral raise exercise with free weights in a modern fitness center

Question words retire with printed paper no, yes, later and not sure. Employment concept. Time to rest. Working period ends. Mandatory retirement. Optional retirement

Now Or Later choosing is shown using a text on the sign

Close-up of a woman holding a smartphone showing a Buy Now Pay Later screen with a shopping cart icon—concept for BNPL, mobile payment, e-commerce checkout, installment plan, and digital finance.

Customer using smartphone and credit card for buy now pay later online payment. Concept of BNPL installment service, digital shopping finance, flexible checkout payment plan, and modern ecommerce.

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