As a new transfer student, you were a bundle of enthusiasm, but on your first day at university, you were running late, which caused you some anxiety and fear. Panicked, you rushed to pedal your bicycle, only to accidentally collide with someone's McLaren. Oh, how unfortunate could this day get? You notice the car's rear light is shattered and there are several scratches on the vehicle. You realize that the cost of repairing the car is equivalent to your living expenses for the next five years.