#Collateral Management

[staragri]

https://www.staragri.com/services/collateral-management/

StarAgri provides efficient collateral management solutions, ensuring secure agricultural loans for farmers and financial institutions. Minimize risks, enhance traceability, and access tailored financing options through expert services. Transform agricultural financing with transparency and innovation.

[duckshuffled]

Could you draw Buck and Graham? I wonder how they'd interact.

i hope nothing good happens. deeply unserious suits

[deadallover]

Series of doodles from the last few nights, maybe ill finish some.

Also lore drop that cain (the devil in my verse) stole his heart while he was dead to keep him loyal when cain reanimated him. Deans heart only beats when the devil makes it, and is completely disconnected from his body. Which is why dean is so brutal and mean, but also depressive and empty, hes heartless. Also why dean has to keep sinning, killing who cain asks and gaining power for cain through his fame. Because he could crush his heart and kill dean again.

[floortile34]

my ice cream is all melted and i tried to eat it and i couldnt cause im physically unable to eat much or fast and now im sad and annoyed and so much ice cream wasted ughh fuck my life

ok ok so after writing tags for this i need to complain.

TUMBLR STOP FUCKING CENSORING EATING DISORDERS. IT DOESN'T HELP AND IT MAKES TALKING ABOUT UNRELATED EATING DIFFICULTIES WAY HARDER

it is so so so fucking annoying that the tags i could use to explain my autistic eating problems are caught in this crossfire. this is fucking bullshit and entirely stems from the censorship

and actually with that i'm just generally anti-censorship. it's ineffective at improving lives and it causes too much collateral damage

[visual-sculptors]

Distinguish yourself through our exceptional design solutions - presentations that eloquently convey their message - Visual Sculptors

[ascenteum]

What’s the Cost of Ignoring Effective Collateral Risk Management in the UK?

In today’s financial world, businesses must handle risks carefully to maintain smooth operations. Collateral risk management plays a key role in managing financial security and avoiding unexpected losses. If ignored, it can lead to severe financial consequences. One such effective tool for managing these risks is Colline Collateral Risk Management In UK, which helps businesses identify and manage collateral risks efficiently. But what happens when companies neglect it? The cost can be high, and it could harm their reputation, financial stability, and long-term growth.

The Risks of Ignoring Collateral Risk Management

Ignoring effective collateral risk management can result in numerous challenges. Without proper monitoring, businesses may face a situation where they are exposed to higher levels of risk without realising it. This increases the chance of making poor decisions regarding asset management or failing to meet financial obligations. Collateral is critical because it secures loans and reduces potential losses for lenders. If businesses don’t manage this aspect properly, they may end up with non-performing assets, which could severely affect cash flow and creditworthiness.

Businesses that fail to track their collateral position often struggle to get the credit they need, especially during difficult times. They may face higher borrowing costs or, more critically, be denied loans altogether. The financial cost of inadequate risk management doesn’t stop at lost credit opportunities; it also impacts relationships with lenders, investors, and partners. Without the right tools, like Colline Collateral Risk Management in UK, businesses could be exposing themselves to more significant risks than they realise.

Why Does Collateral Risk Management Matter?

Collateral risk management is not just about securing loans; it also protects the value of your assets. If collateral is not properly managed, its value may decrease over time, and the business could lose out on its potential to recover losses. It also ensures that a company meets its legal and regulatory requirements. A poor collateral risk management strategy may lead to a lack of control over assets, making it difficult to manage market fluctuations or downturns.

In the UK, businesses are required to meet certain standards when dealing with collateral. Companies that fail to adopt effective strategies might be risking not just financial losses but also penalties for non-compliance. By using tools like Colline Collateral Risk Management UK, businesses can ensure they stay ahead of potential risks. This tool offers a comprehensive way to manage collateral efficiently and meet regulatory standards, making it a valuable asset for any company.

The Long-Term Effects of Poor Collateral Risk Management

The long-term effects of ignoring collateral risk management can be disastrous. If the collateral is mishandled or misvalued, companies may face serious financial instability. When businesses are unable to provide proper collateral, it can lead to loss of trust from investors, customers, and other stakeholders. This mistrust often results in lost business opportunities and a tarnished reputation that can take years to rebuild.

Moreover, companies that fail to adequately manage their collateral risk are more likely to face financial difficulties during market changes. Unforeseen downturns, economic disruptions, or even small fluctuations in market conditions can lead to significant losses. Collateral risk management is the shield that protects businesses from such financial uncertainties. Without it, the company could be left vulnerable, with little ability to recover.

What Can You Do to Prevent Collateral Risk?

To avoid the costly consequences of poor collateral risk management, it’s crucial to adopt a structured, well-thought-out strategy. Implementing a robust system, such as Colline Collateral Risk Management UK, allows companies to assess, monitor, and manage collateral in a controlled manner. This tool provides real-time data, helping businesses track and value their assets with accuracy. It also helps ensure compliance with industry regulations and improves overall risk management procedures.

One of the most significant advantages of using such a system is the ability to predict and mitigate potential risks before they become major issues. By taking proactive measures, businesses can reduce the likelihood of asset loss or poor collateral valuation, helping them remain financially stable and maintain investor confidence.

Conclusion

Ignoring effective collateral risk management could prove to be a costly mistake for any business in the UK. From financial instability to harm to your credibility, the consequences are far-reaching. By embracing the right tools, like Colline Collateral Risk Management in UK, companies can safeguard their assets, stay compliant, and avoid unnecessary losses. In the competitive business world, being proactive about collateral risk management isn’t just important—it’s essential for long-term success.

If you’re looking to improve your collateral management and ensure financial security, consider reaching out to Ascenteum.co.uk. They provide tailored services that help businesses manage collateral risks efficiently, offering expert guidance and the right tools to protect your financial future. Don’t wait until it’s too late—take control of your collateral risks today. Visit Ascenteum.co.uk and explore their comprehensive collateral management services to safeguard your business.

[turncapitalpartnerssep4]

Flexible Growth with Business Credit | Turn Capital Partners

Access the Funding Your Business Needs—When You Need It. Every business encounters unexpected expenses and growth opportunities that demand immediate access to capital. A business line of credit provides a flexible financing solution, allowing businesses to manage cash flow and invest in expansion without the rigid structure of a traditional loan. Line of credit offers revolving access to funds, ensuring businesses can borrow as needed and only pay interest on what they use. At Turn Capital Partners, we help businesses stay financially agile and prepared for any situation.

Why Choose a Business Line of Credit?

Unlike traditional loans that provide a one-time lump sum, a business line of credit offers ongoing access to funds, allowing businesses to withdraw money as needed while only paying interest on what they use. This flexibility ensures businesses can manage key expenses, such as maintaining cash flow, covering unexpected costs, and investing in business expansion. It also helps with stocking inventory, funding marketing campaigns, and handling operational expenses without financial strain. At Turn Capital Partners, we provide customized credit solutions, ensuring businesses remain financially secure and prepared for growth opportunities.

What Is a Business Line of Credit?

A business line of credit is a revolving credit option that gives businesses flexible access to funding. Unlike traditional loans, it allows businesses to withdraw money as needed and only pay interest on the amount used. As funds are repaid, they become available again, functioning like a credit card for business expenses. This makes a business line of credit ideal funding option for managing variable expenses, covering payroll, purchasing inventory, and financing long-term growth—without the burden of a fixed-term loan.

How Business Lines of Credit Help Small Businesses Grow

business line of credit provides ongoing access to working capital, helping businesses stay financially flexible

Flexible Borrowing – Withdraw funds as needed instead of taking a lump sum loan.

Revolving Credit – Repaid funds become available again for future use.

Only Pay for What You Use – Interest applies only to the amount withdrawn.

Quick Access to Cash – Get funds without waiting for lengthy loan approvals.

No Collateral Required – Most lines of credit are unsecured, reducing financial risk.

How to Apply for a Business Line of Credit with Turn Capital Partners

Your business may qualify for a business line of credit if it meets the following criteria:

At least three months in business – Demonstrates operational stability.

A minimum of $10,000 in monthly revenue – Ensures the ability to manage repayments.

A solid credit history or strong financial records – Increases approval chances and borrowing limits.

At Turn Capital Partners, we assess your eligibility and provide tailored credit solutions to support your business’s financial needs and growth potential.

Secure a Business Line of Credit & Grow with Turn Capital Partners!

A business line of credit offers financial flexibility and security, ensuring your business is always prepared for growth and unexpected expenses. Whether you need funds to manage daily operations or maintain working capital, we provides fast, reliable access to funding without the restrictions of traditional loans. Stay financially agile and seize new opportunities. Apply Now and visit Turn Capital Partners and secure the funding your business needs—when you need it!

[fincrif]

Personal Loan: Your Path to Financial Flexibility and Security

In today’s fast-paced world, unexpected expenses can arise at any time. Whether it's a medical emergency, a home renovation project, or an opportunity for investment, sometimes you need quick financial assistance. A personal loan can be the perfect solution to cover such expenses without putting your long-term financial security at risk. With flexible terms, manageable repayments, and no need for collateral, a personal loan offers a convenient way to borrow money.

However, borrowing money should never be taken lightly. Responsible borrowing ensures that you can meet your obligations while maintaining a healthy financial profile. In this comprehensive guide, we’ll explore everything you need to know about personal loans, including their benefits, how to apply, eligibility requirements, and tips for managing the loan effectively.

What is a Personal Loan?

A personal loan is an unsecured loan provided by financial institutions like banks, Non-Banking Financial Companies (NBFCs), and online lenders. Unlike other types of loans, such as home loans or car loans, personal loans can be used for a variety of purposes, including medical expenses, weddings, vacations, education, and debt consolidation.

Personal loans are typically offered with fixed interest rates and repayment terms that span between 12 to 60 months, making it easier for borrowers to plan their finances and repay the loan over time. One of the key benefits of a personal loan is that it doesn't require any collateral, such as property or a vehicle. The approval is primarily based on your creditworthiness, which is determined by factors such as your credit score, income, and employment status.

Benefits of a Personal Loan

There are numerous advantages to taking out a personal loan. Here are some of the top benefits:

No Collateral Required Unlike home loans or car loans that require you to pledge assets, a personal loan is unsecured. This means you don’t need to risk your property or other valuables to secure the loan.

Flexible Loan Usage A personal loan can be used for various purposes, including debt consolidation, medical expenses, home renovations, or even a dream vacation. This flexibility is one of the main reasons why many people choose a personal loan over other types of loans.

Quick Approval and Disbursal Many financial institutions offer instant approval for personal loans, with funds often disbursed within 24 to 48 hours. This makes it an ideal option for urgent financial needs.

Fixed EMIs The repayment structure of a personal loan is typically in the form of fixed monthly installments (EMIs), making it easier for borrowers to budget and manage their finances.

Boost Your Credit Score Timely repayments of your personal loan can improve your credit score, which can be helpful for securing future loans at better rates.

How to Apply for a Personal Loan

Applying for a personal loan is a relatively straightforward process. Here’s a step-by-step guide to help you get started:

Assess Your Financial Needs Before applying for a personal loan, determine how much money you need to borrow and for what purpose. It's essential to borrow only what you can afford to repay without putting a strain on your finances.

Research Lenders Different lenders offer varying interest rates, loan amounts, and repayment terms. Compare the available options from banks, NBFCs, and online lenders to find the best deal for your financial needs.

Check Eligibility Each lender has its own eligibility criteria, which usually include a minimum credit score, income requirements, and age limits. Use an online eligibility calculator to check if you qualify for a personal loan before applying.

Gather Documents Most lenders will require you to provide certain documents, such as:

Proof of identity (PAN card, Aadhaar card)

Proof of address (electricity bill, rental agreement)

Income proof (salary slips, bank statements)

Employment proof (for salaried individuals)

Submit Your Application Once you’ve gathered the necessary documents, you can submit your application online or in person. Many lenders now offer a quick online application process, which speeds up the approval and disbursal timeline.

Loan Disbursal If your application is approved, the lender will transfer the loan amount to your bank account within a few business days.

Eligibility Criteria for a Personal Loan

While the specific eligibility requirements vary by lender, most financial institutions consider the following factors when determining whether you qualify for a personal loan:

Credit Score A good credit score (typically 700 or above) increases your chances of getting approved for a personal loan. A higher credit score indicates to the lender that you are a reliable borrower who is likely to repay the loan on time.

Income Level Lenders generally require borrowers to have a stable source of income. This could be from a salaried job or a self-employed business. A higher income level may improve your eligibility and increase your loan amount.

Employment Status Both salaried individuals and self-employed professionals can apply for a personal loan, but salaried employees may have an easier time securing a loan due to the regularity of their income.

Age Most lenders require applicants to be between the ages of 21 and 60. You should also ensure that your loan tenure aligns with your expected age at the time of repayment.

Debt-to-Income Ratio A lower debt-to-income ratio (the amount of debt you already have compared to your income) enhances your chances of approval, as it signals to lenders that you can handle additional debt responsibly.

Factors That Affect Personal Loan Interest Rates

The interest rate on a personal loan plays a crucial role in determining the overall cost of borrowing. Several factors influence the interest rate you’re offered:

Credit Score Your credit score is one of the most significant factors affecting your personal loan interest rate. A higher score generally means you’re less of a risk to the lender, which results in lower interest rates.

Loan Amount and Tenure Lenders often offer lower interest rates for shorter loan tenures. A larger loan amount may also lead to a higher interest rate.

Lender Type Banks typically offer more competitive interest rates compared to NBFCs and digital lenders. However, online lenders may offer faster approval processes.

Income Level A higher income reduces the lender’s risk and may result in a better interest rate.

Tips for Managing Your Personal Loan Repayments

Once you’ve secured a personal loan, it’s important to manage the repayments effectively to avoid unnecessary financial stress. Here are some tips to help you stay on track:

Borrow Only What You Need Avoid borrowing more than you need. Taking out a larger loan than necessary can increase your repayment burden and result in higher interest payments.

Choose a Comfortable Tenure Select a loan tenure that you can comfortably afford while minimizing your interest expenses. A shorter tenure means higher EMIs but lower total interest payments.

Make Timely Payments Set up automatic payments to ensure you never miss a due date. Late payments can lead to penalties and damage your credit score.

Consider Prepayment If you have extra funds, consider making prepayments to reduce the principal amount of your personal loan. This can lower the overall interest burden.

Avoid Multiple Loans Taking out too many loans simultaneously can lead to financial strain. Focus on repaying your existing loans before applying for new ones.

Personal Loan vs. Credit Card Loan: Which One to Choose?

When it comes to borrowing money, a personal loan and a credit card loan are two common options. However, each has its own set of pros and cons:FeaturePersonal LoanCredit Card LoanInterest RateLower (10-24%)Higher (24-36%)Loan Tenure1-5 yearsShort-term (up to 1 year)Loan AmountHigher limitLimited to credit card limitRepayment FlexibilityFixed EMIsRevolving credit with high interest

A personal loan is ideal for larger, planned expenses, while a credit card loan works better for short-term borrowing needs.

Conclusion

A personal loan offers a flexible, convenient, and affordable way to meet your financial needs, whether you're dealing with an emergency, consolidating debt, or funding a major life event. However, it’s essential to borrow responsibly by understanding the terms of the loan, comparing lenders, and ensuring you can meet repayment requirements.

By following the tips outlined in this guide, you can make the most of your personal loan and maintain good financial health. Always remember, when used wisely, a personal loan can be an essential tool for achieving your financial goals without compromising your future stability.

[mira0000000-blog]

It's kinda funny that I have fankids in the brain but they have almost 0 dynamic (or zero GOOD dynamic) with their parents they just go on silly shenanigans

[octopus-and-jam123]

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[visual-sculptors]

Ex-McKinsey Designers Team - Visual Sculptors

[shootingstarpilot]

well. it was nice while it lasted.

mass layoffs of probationary employees (employees within their first year) are happening across the federal government. rumor on the forums is that DOI termination emails are getting sent out tomorrow. i don't want to go into work.

[kaidatheghostdragon]

Found this while going through my fanfic files, and i absolutely had to share.

Danny: i want in

Red robin: …what?

Danny: your bat family. I want in.

Red robin, blinking in surprise: i dont know what you think you know about my associates, but we're not-

Danny: dont be obtuse. I know youre the smart one. And i also know that your all one big relatively happy family. I want in.

Red robin: …why?

Danny: because you guys are the first people ive found that are wealthy, intelligent and powerful enough to take on my fruitloop godfather and win AND are decent enough human beings that i can be assured that when all is said and done, my well-being will remain a top priority.

Orphan, appearing out of nowhere: new brother!

Danny: *stares in shock*

Danny: *sudden uncanny grin* well that's one convinced. How do i win over the rest?

Orphan: no need. New brother!

Red robin: *pointed glance of betrayal* fine. Who is your godfather?

Danny: vlad masters. He's a fruitloop.

Red robin: for real? B's been investigating him for years! Tell me everything! *genuinely excited for a new lead*

Danny: well, he's tried to murder my dad and marry my mom, gained his wealth illegally, committed voting fraud to become the mayor of my hometown, has a secret underground lab where he does unethical experiments, and he's abducted me more than a dozen times even before my parents disowned me to make me his evil apprentice or whatever. Now that im homeless, he's literally out to get me. Oh! And he's cloned me too! She's cool though, we're buddies now.

Batman, who just arrived but heard everything over comms: hn. (Translation: who are you?)

Danny: my name is Danny. No last name anymore, but im hoping itll soon be Wayne! *winking suggestively*

Batman: hn? (how much do you know?)

Danny: enough to know that youre a much better alternative to vlad.

Batman: …hn (i dont know anything about you. What if youre a spy for vlad?)

Danny, giving his salesman pitch: i was a teen vigilante in amity park before i had to run away from home for my own safety. Vlad is one of my rogues. I know how to fight and defend myself, how to minimize collateral damage in a fight, and ive gotten really good and escaping kidnapping attempts. Ive also managed to reform and/or make allies out of approximately half of my rogues and can talk down about 30% of all rogue confrontations before they turn into a messy fight. The other things i can bring to the table are: one, i can teach all of you guys proper liminality self care; two, i can probably minimize and possibly cure red hood's anger issues; three, i can get along with stabby robin because i consider fighting a friendly social interaction - he can even stab me and i wont be injured by it; four, i can be your go-to guy for supernatural cases so you no longer have to deal with that sad trenchcoat man; five-

Red robin: *blurting* youre hired.

Batman: hn (i am deeply concerned)

Danny: if youre concerned now, wait until i tell you about the anti ecto control act

Nightwing, who showed up in the middle of the sales pitch: ive never seen anyone crack B's grunt language so quickly

Danny: grunt language? He's just using ghost speak - which will be covered by the liminality self care lessons

Robin, who arrived with batman: what is a liminal?

Danny: all of you, of course! Otherwise you wouldnt need to learn about it, obviously

Robin: and why would we trust you?

Danny: did i mention i have a pet ghost dog?

Robin: …you drive a hard bargain

Danny, fist pumping: yes! That's three!

Nightwing: four, you got me when you could understand B's grunting

Red Hood, arrived with nightwing: five, assuming you arent lying about the pit rage

Danny, hand to his chest: i would never!

Orphan: honesty. Earnest. New brother.

Oracle, over comms: six. The anti ecto acts are legit and im terrified for his safety, assuming he's phantom, who is the vigilante of amity park

Spoiler, arrived with orphan: seven, as long as youre down for a few pranks

Batman: hn (ive been outvoted)

Batman: hnn (i dont wanna hear any jokes about adoption habits when you all forced my hand)

Batman: hn (that said)

Batman: welcome to the family

Duke, the next day: man, i miss out on everything exciting.

Duke, blinded by danny: and who the fuck told bruce he could adopt the fucking sun?!

[doyouknowthemossinman]

EVEN IF I HAD TO LOSE YOU TO KNOW YOU I'D STILL BE THAT TEMPORARY PHASE THAT YOU GROW THROUGH I WOULDN'T CHANGE WOULDN'T CHANGE WOULDN'T CHANGE FALLIN FOR YOU I THINK I COULD MANAGE BEING COLLATERAL DAMAGE

[shortnspidey]

THE VOID

Bucky Barnes X Fem!Stark!reader || WC: 5.4K

SUMMARY: What was supposed to be a quiet family weekend getaway at the Stark cabin is quickly interrupted by New York City being terrorized once more!

WARNINGS: Thunderbolts* spoilers! Angst, slight fluff, hurt-comfort, non-sexual nudity, talks of past trauma & HYDRA PTSD

A/N: Based on my Collateral Hearts series but can be read as a standalone! This was meant to be a short drabble but I couldn't help myself! It's safe to say Thunderbolts* is my new Marvel comfort movie! I hope I did this one-shot justice since we didn't get to see much of Bucky during the movie! 🫶🏻

➩ main masterlist

➩ series masterlist

➩ bucky barnes masterlist

As the soft glow of morning sunlight filtered gently through the sheer curtains, casting warm streaks across the hardwood floor. Your eyelids fluttered open, adjusting slowly to the familiar surroundings, the soft lavender hue of the walls, the faint scent of vanilla lingering in the air, and the peaceful silence broken only by the occasional chirp of a bird outside.

A small sleepy smile tugged at your lips as your gaze settled on the delightful chaos around you, a mountain of stuffed animals piled high near the window, polaroid pictures taped to the dresser mirror, each one a tiny fragment of a life well-lived and well-loved. Shifting to your side with a sleepy sigh, you expected to find the comforting bulk of your super-soldier fiancé beside you. His warmth, his steady breathing, maybe even the soft snore he always denied having.

But instead, a mop of tousled brown hair and a small frame tucked under a fortress of blankets greeted you. Morgan. Your not-so-little sister, who had clearly claimed the entire bed as her own sometime during the night. You let out a quiet chuckle, realizing you were perched on the very edge of the mattress, less than an inch from tumbling onto the floor. The covers had all migrated to her side, cocooned around her. She was somehow an even worse bed hog than Bucky, and that was saying something.

Even Alpine, with all her feline entitlement, hadn't managed to steal this much space. Your thoughts were interrupted as Morgan stirred, her little nose wrinkling adorably in protest against the invading daylight. She nestled even closer into your side, seeking warmth and refuge. "Morning, sunshine!" You chirped with faux cheeriness, knowing exactly what kind of reaction you'd get. Predictably, the nine-year-old groaned, burying her face deeper into your ribs with a dramatic sigh that made you smile even wider.

Definitely not a morning person, another undeniable Stark trait. "Morgan," You sing-songed, dragging her name out teasingly. “Time to wake up!” She grumbled in protest, clearly trying to lull herself back to sleep or at least tune you out. A soft giggle escaped you as you gently poked her side. “The only way I’m waking up is if you make me breakfast.” Morgan grumbled, her voice muffled against your side. You gave a mock gasp, clutching your chest dramatically.

“Demanding.” You teased, though your tone was soft as you reached out, brushing a few strands of her tangled hair away from her face. You leaned down and pressed a gentle kiss to her forehead, lingering there for just a second longer than necessary. Her skin was still warm from sleep, and for a moment, you just took in how small she still was, despite her growing stubborn streak and increasingly bold opinions. “How about I make you breakfast,” You offered, lifting your brows with a knowing smile, “and I’ll even let you sneak a juice pop before Mom makes us lunch?”

Her face twitched, trying to stay serious, trying not to give in to your irresistible offer, but you saw the small smile forming at the corner of her lips. “Promise?” She asked, lifting her head slightly and giving you those big, brown, soul-piercing eyes that always reminded you a little too much of your dad. You nodded, solemnly holding out your pinky. “Pinky promise,” You declared, your voice dropping to a whisper like it was sacred and in a way, it was.

Morgan didn’t hand out trust easily, but a pinky promise? That was ironclad. She hooked her little finger around yours, her smile breaking fully now. “Deal!” You grinned and pressed another kiss to her forehead, this one quick and full of affection, before leaning over to grab your phone from the nightstand. The screen lit up with a flurry of notifications, texts, emails, a missed call from Harley, but your thumb moved instinctively to the one name that always made your chest tighten in the best way. The most recent message read:

Bucky 🖤: Made it to the Capitol in one piece. Miss you already, doll. Tell Morgan I’m bringing her that thing we talked about.

You smiled at the screen, thumbs flying across the keyboard as you typed back a quick “I love you, stay safe.” Before you could even lock your phone, Morgan was peering over your shoulder. “Why couldn’t Bucky come?” She asked, her voice softer now, her fingers still tangled in the edge of your sleep shirt. You arched a brow, turning to face her with a mock pout. “Am I not enough for you anymore?” Morgan rolled her eyes with a giggle, but her cheeks flushed pink.

“You know what I mean.” She grinned. It always amazed you how quickly Bucky had wormed his way into her heart, how naturally he’d settled into the role of her protector, bedtime storyteller, and co-conspirator in every bit mischief she could dream up. And truthfully, you loved watching the two of them together, even when you pretended to be jealous. “Believe me, sweetheart, he wanted to,” You reassured brushing her hair back again as she snuggled close once more. “But he’s just a little busy now that he has Congressman duties.” Morgan huffed.

“You should’ve brought Alpine at least.” You laughed, ruffling her hair. “If we let that spoiled cat in this bed, there wouldn’t be room for either of us. Plus, she’d steal your juice pop.” That earned a giggle from her. “C’mon,” You coaxed, stretching your arms and sitting up fully. “Let’s go make some waffles. With chocolate chips. Maybe even whipped cream, if you swear not to tell Mom.” She perked up instantly, eyes gleaming. “You got yourself a deal!” This kid was definitely going to be the death of you.

After scarfing down at least a dozen waffles between you and Morgan, each one stacked precariously with whipped cream, chocolate chips, and just a hint of syrup for good measure you both made sure to clean the flour battlefield you’d left behind. The kitchen still smelled like vanilla and melted chocolate, but the counters were wiped, dishes stacked, and evidence buried, for the most part. Just in time too, as Pepper raised an eyebrow when she entered but said nothing.

Only offering a suspicious glance toward the empty whipped cream can in the trash. With the scent of breakfast still clinging to your pajamas and Morgan cradling a warm cup of cocoa, the three of you curled up on the couch for your weekend ritual. Blankets, mismatched socks, and the faint crackle of old movie magic filled the living room. The familiar sounds of Harry Potter and the Sorcerer’s Stone played in the background, Morgan mouthing lines under her breath, completely absorbed in the scene.

And then, it happened.

The screen glitched, colors flickering unnaturally before the film feed abruptly cut to a flashing Breaking News banner. Static crackled. Then came the footage. A live aerial shot of Manhattan, swallowed by what looked like a creeping black fog, only it wasn’t fog. It slithered like it was alive, climbing buildings, flooding streets, consuming everything in its path. Helicopters struggled to keep up with the growing shadow that rolled through downtown like a tidal wave of nightmares.

Your blood ran cold. A surge of déjà vu punched through your gut, memories of Thanos, of the Snap, of losing everything for a single moment in time. But this wasn’t dust. This was something else, something darker. Morgan leaned forward, her cocoa forgotten, and even Pepper tensed, lips pressed into a thin, worried line. The footage zoomed in closer. Through the billowing obsidian mass, faint shapes flickered, terrified civilians, abandoned cars and buildings.

The once-iconic Avengers Tower, half-swallowed and collapsing in on itself, like some monument to forgotten glory. And at the center of it, looming like a shadow torn from nightmares, stood a shadowy figure. He wasn’t entirely solid, more like a dark silhouette. With every movement, people vanished. Your hand trembled as you reached for your phone, a cold sweat already forming at the back of your neck. You didn’t even remember dialing, your thumb working on autopilot.

“Pick up. Pick up.” You whispered, heart hammering against your ribs, anxiety rising like bile. One ring. Two. Three, then static. Faint, fragmented screams filtered through. Car alarms. Crumbling stone. You heard staggering breath, sharp and uneven. “Bucky? Are you there?” You asked, voice cracking, eyes fixed on the chaos on the screen. A ragged exhale echoed on the line. Then voices, quick, panicked. Civilians? You couldn’t tell. “Bucky, please tell me you’re not in that mess.” You begged, voice fraying at the edges.

You weren’t even sure if he could hear you. A pause. Then finally, his voice, raw and distant. “I wish I could, doll.” Your breath hitched. “I’m sorry.” He added. Those two words carried more weight than you could bear. Every instinct in you screamed to fight, to argue, but your voice didn’t come. Not even a whisper. “Doll, I—” And then, the call dropped. Your phone slid from your hand and landed on the couch cushion beside you with a thud. Your chest was tight, lungs refusing to work properly. Noticing the shift in your demeanor, Morgan instantly wrapped her arms around your waist.

“Is Bucky okay?” She whispered, burying her face into your side. You pulled her close, holding her like she was the only anchor in the storm. “I’m sure he is, sweetheart,” You reassured softly, kissing the top of her head. “He’s strong and brave.” But even you couldn’t tell if you were trying to reassure her or convince yourself. You looked up. Pepper had already stood, face pale but composed. She met your eyes, her strength unwavering even now. “Mom—”

“I know,” She mumbled quickly, cutting you off. Her voice was gentle, but there was an iron edge beneath it, a quiet strength born from too many nights spent watching the man she loved walk into war zones with nothing but conviction and an arc reactor. Pepper Potts wasn’t a stranger to sacrifice, and now, neither were you. “Go.” You hesitated, guilt gnawing at your gut. “Just promise me you’ll be careful.” She added, her hand closing tightly around yours.

You nodded, trying to keep your face neutral even as your stomach churned. You turned toward Morgan, who stood silently by the couch, clutching a pillow to her chest like it was a lifeline. “Morgie,” You called softly, crouching down to her level as her tear-filled eyes locked on yours. “He’ll be okay. We both will. Stay here with Mom, alright? I’ll call you as soon as I find Bucky. I promise.” You extended your pinky once more. This promise felt heavier than all the others.

“Okay.” She whispered, her voice cracking as she surrendered to your embrace, small arms wrapping tightly around your neck. You held her close, kissed her temple, then leaned into her ear. “I love you, kiddo.” You breathed, barely able to speak past the knot forming in your throat. You felt her nod against your shoulder, and it shattered something inside you. With that, you quickly got dressed, grabbed your car keys and drove as fast as the speed limit allowed you into the void that was now New York City.

As you made your way into the city, weaving recklessly through the traffic, your hands clenched the steering wheel in a white-knuckled grip. Horns blared, lights flashed, but none of it registered fully, you were running on instinct and adrenaline. You fumbled for your phone at a red light, trying once again to ping Bucky’s location. Nothing. The screen flashed back the same message, unable to locate device.

You swore under your breath, the sickening realization hitting you like a punch to the gut, his phone must’ve been destroyed during all the chaos. There was no other choice. Without any clue where he might be, you had to go back to the apartment. Your chest ached with the weight of uncertainty, but through it all, a stubborn flicker of belief remained, he’d make it home to you. He had to. The moment your key turned in the lock and the door creaked open, the silence inside greeted you.

You didn’t need to call out to know, he wasn’t there. The emptiness clung to the walls, thick and oppressive, and did absolutely nothing to soothe the storm of fear brewing inside you. You closed the door quietly behind you, letting your forehead rest against it for a beat too long, before turning to scan the room with hopeful eyes. Then, a soft meow echoed from around the corner. “Alpine,” You breathed out, your voice cracking slightly with relief. The snowy white cat padded into view, her tail high as she trotted toward you, clearly happy to see you home.

You knelt down immediately, scooping her into your arms and pressing her warm body close to your chest. She purred against you, a soft, steady vibration that grounded you just enough to keep from unraveling completely. “Hi, sweet girl.” You murmured, your voice gentle as you carried her to the couch. You sank into the cushions, Alpine nestled securely in your lap, and stared out the window at the glowing city beyond. Every instinct in you screamed to go back out there.

To search every alley, every rooftop, every shadow, but instead, you sat still. Holding on to hope like it was the only thing keeping you from falling apart. After what felt like an eternity of pacing in the kitchen, organizing things that didn’t need organizing, and switching between news broadcasts that offered very little comfort and a phone that refused to light up with his name, you were unraveling thread by thread. Each second stretched, heavy and tense, your breath shallow. And then, you heard it. The familiar jangle of the doorknob.

Your heart skipped a beat, then thundered, and as the door creaked open, you let out a breath that felt like it came from somewhere deep in your soul. Your muscles, locked in anxious tension, began to loosen as you rose quickly from the couch. But the moment you turned the corner and saw him, really saw him all of that fragile relief shattered and the fear came crashing back in. There he was. Dressed in his signature all-black, the fabric of his clothes torn in various places.

Revealing angry red gashes and violet bruises beneath. His broad shoulders were pulled back in a rigid posture. His long hair was disheveled, sticking to his forehead and brushing his jawline, and his face, God, his handsome face was a map of pain. Scratches lined his cheekbones, one temple split and still weeping. His knuckles were bruised, skin split. And still, he didn’t bother to close the door behind him. His cerulean blue eyes locked onto yours, and for a brief moment, time stood still. He closed them slowly, like the sight of you was too much to bear all at once.

Relief, exhaustion, maybe even guilt, it passed across his face like clouds across a stormy sky. “James.” The name left your lips sharp and clipped, your arms instinctively crossing over your chest. There was frustration in your voice, more than that, there was hurt. At the sound of his given name, his eyes opened again, more alert, more present. He knew exactly what it meant when you used it like that. But he also knew this wasn’t about being in trouble. Not really. Cautiously, he took a step forward, hand raised, vibranium fingers trembling just enough to betray the storm inside him.

He reached for your arm, bracing for the rejection he was sure he deserved. But you didn’t flinch. You didn’t pull away. When his palm met your sleeve and you stayed rooted to the spot, something in him broke loose. He took another step, his other hand rising to gently uncross your arms, and you let him. You didn’t meet his eyes, not yet, but you didn’t resist his touch either. He pulled your body into his slowly, grounding you with the firm steadiness of both flesh and metal, his touch familiar, grounding. You looked away, jaw tight, holding back tears or words, you weren’t even sure which.

He exhaled slowly, then lifted a hand to your face, calloused fingers brushing lightly against your cheek as he tilted your head up. You didn’t want to look at him because if you did, you’d lose what little composure you had left. Still, you let him tuck a loose strand of hair behind your ear, his thumb lingering on your temple as he searched your face like it held the only truth left in the world. Your eyes met again, and for a heartbeat, the silence between you was louder than anything either of you could say. Then finally, you broke it, your voice low and rough around the edges.

“You’re still in trouble.” You grumbled, trying for stern but falling short, the corners of your mouth betraying you with the tiniest quiver. “I know, doll,” He murmured, his voice gravelly and soft in that way only reserved for you. “I know.” He rested his forehead against yours, his breath shaky as it ghosted over your skin. He wasn’t asking for forgiveness yet. He just needed this. You. “Just let me hold you.” He whispered, more of a plea than command.

And without another word, you let him.

Bucky’s chest rose and fell beneath your cheek, each breath shaky, uneven. His arms were tight around you now, no longer tentative. Flesh and vibranium wrapped fully around your waist, holding on like if he let go, everything would collapse. And maybe it would. You didn’t want to test that theory. He smelled like smoke and the faintest trace of blood, but underneath all that, you still found him. That scent you’d come to associate with home.

“Hey,” He murmured, his voice barely above a whisper, lips brushing your hair as he spoke. “I’m here. I’m okay.” You pulled back slightly at that, brows furrowing. “You’re not okay, Buck,” you scoffed softly, your hands coming up to cradle his scruffy cheeks. “You’re clearly hurt and you’re bleeding.” You swallowed hard as your thumbs traced the edges of a fresh cut along his jaw. “You scared the hell out of me.” His eyes closed again, jaw clenching as he leaned into your touch. You blinked quickly, fighting the sting in your eyes, but he saw it anyway.

Without hesitation, Bucky leaned down, pressing his forehead to yours again, this time more firmly, grounding himself in the contact. Then, slowly, deliberately his lips brushed yours. It wasn’t a kiss full of hunger or urgency. It was soft yet purposeful. You melted into it instantly, your fingers curling into the fabric of his shirt as his hands cupped your jaw, thumbs brushing along your cheekbones. His lips trembled against yours, not from fear but from sheer, overwhelming feeling. He kissed you like he’d been afraid he wouldn’t get the chance.

Like this kiss was a thank you, an apology, and a promise all in one. When you finally parted, he lingered, his nose brushing against yours, eyes searching yours with that soft, open ache that always made you want to protect him, even when strongly believed that he was the one built to protect you. You exhaled shakily, resting your hands over his heart. In that moment, no words needed to be shared. You simply pulled him close, this time wrapping your arms around his neck, burying your face against his shoulder.

After a beat, your voice now more steadier broke the silence. "I hope you know you owe Morgan a call, she was pretty shaken after what she saw on the news." Bucky let out a long breath, one hand ghosting up your back in an absent, soothing motion. "Hopefully the bear plush I brought all the way back from DC will be enough for her to forgive me." Your brow lifted, eyes narrowing slightly as amusement flickered in your voice. "Seriously, Bucky. Morgan has enough stuffed animals to fill an entire daycare."

"Doesn't mean I'm gonna stop spoiling her," He offered a small shrug, the corner of his mouth quirking just enough to chase away some of the tension. "We should call." You nodded slowly, lifting your head from his shoulder without pulling away completely, your arms still draped around him in a gentle tether. "We should," You murmured in agreement. Your gaze swept over him, taking in the grime, the torn edges of his clothes, and the blood smeared along his jaw. "Might want to clean yourself up first."

Your fingers reached up, brushing lightly over the blood smeared on his cheekbone. The touch wasn’t firm, just the barest sweep of skin against skin, but it carried so much more than it seemed to. In that single gesture, you offered reassurance, a silent apology for whatever pain he endured, and the comfort of knowing he wasn’t alone. He leaned into the touch with a subtle, almost imperceptible sigh, his eyes fluttering closed for just a beat too long. Like the warmth of your hand was more healing than anything could ever be.

His lashes lifted slowly, gaze locking with yours. The blue of his eyes, normally sharp and vigilant, had softened into something almost vulnerable. “Join me?” Just two words. So simple, but they cracked something open inside you. The sheer vulnerability behind them wrapped in a quiet plea and a need for closeness he rarely voiced ever made your throat tighten. You didn’t trust your voice to hold steady, so you simply nodded, the motion small but immediate.

His expression didn’t shift much, but you saw the way his shoulders eased, just slightly. He leaned in, pressing one last lingering kiss to your forehead. He stayed there for a moment, his lips resting against your skin like he was afraid letting go too soon might shatter whatever peace had settled between you. Then, he stepped back, not far, just enough to reach for your hand. His fingers found yours with an easy familiarity, holding on like you were his lifeline. And without a word, he turned, guiding you slowly toward the bathroom down the hall the space you shared.

As you stepped into the space, a wave of protectiveness surged through you, catching you off guard with its intensity. It was more than just concern, it was an aching need to reassure him, to make it unmistakably clear that he was safe and loved. He stood quietly, as if waiting for something he didn’t quite know how to ask for. Your fingers trembled slightly as you reached for the hem of his t-shirt, eyes flicking up to meet his, searching for any flicker of hesitation. The fabric was worn, soft beneath your touch, and you tugged gently, more a question than a motion.

His response was wordless but immediate, lifting his arms and granting you silent permission. You peeled the shirt upward, revealing inch by inch of scarred, bruised skin that made your heart twist. A sharp, quiet gasp escaped your lips as the damage came into view faint scrapes, livid bruises blossoming in purples and yellows, and the ever-present, jarring contrast where metal fused into flesh. You knew the serum would eventually do its work, knitting tissue and dulling pain, but logic didn’t stop the worry that clawed its way up your throat.

You leaned in, unable to keep the distance between you. Your hand wrapped around his warm, solid bicep, drawing him gently closer. He didn’t resist. Your lips brushed against the harsh line where his metal shoulder met skin, a place that too often bore the weight of his guilt and silence. You pressed a soft kiss there, then another, scattering them along his shoulder blade, the curve of his jaw, and finally to the corner of his mouth. Each kiss was a silent whisper: I love you. You’re not alone.

His breath caught, chest rising sharply, and in the next heartbeat, his lips found yours. The kiss was deep, unhurried, the kind that said everything neither of you could quite put into words. When he finally pulled away, it was only to mirror your earlier gesture, his hands slipping under your oversized knit sweater and lifting it with reverent care. It joined his shirt in a quiet heap on the floor. “I love you so much, Y/N.” He murmured against your mouth, the words rough and tender all at once.

What followed felt timeless, a slow shedding of barriers, both cloth and emotional, until you were stripped bare, wrapped in warmth and each other. Garments fell away between stolen kisses and whispered reassurances. Hands traced the map of each other’s bodies like a prayer, gentle and certain, until there was nothing between you but skin and steam. At one point, his fingers intertwined with yours, he brought your left hand up to his lips, pressing a kiss to your knuckles.

Then pausing, kissing the delicate glint of the engagement ring that rested there. His eyes met yours, soft and unguarded, and it said more than any vow ever could. Under the cascade of the shower, he held you close. You could feel the tension leaving his frame as your fingers threaded through his damp hair, massaging the soap in gentle circles. You washed away the remnants of blood and sweat, each pass of your hands careful not to press too hard against his bruises. Then it was his turn. He touched you as though you were made of glass.

His hands were hesitant and unsure, but so achingly tender it brought tears to your eyes. Every swipe of the washcloth, every stroke of his palm was deliberate, a silent apology for all the times he’d believed he didn’t deserve softness. You weren’t sure how long you stood there, surrounded by heat and steam and the quiet hum of water. Time didn’t matter. All that did was this, the slow melting of tension, the steady beat of his heart against yours, and the comfort of knowing that here, in this moment, you both had found something worth holding onto.

After drying off and pulling on soft, comfortable clothes, you settled into the rhythm of familiarity. Bucky perched at the edge of the bed, phone in hand, as he FaceTimed Morgan. You watched as the tired lines around his eyes softened at the sight of her excited face, his voice lifting just enough to sound like himself. “I promise I’m in one piece, kiddo,” He reassured her, holding the camera up so she could see the both of you. “Got a surprise for you next time I visit. I just know you’re gonna love it!” Morgan giggled, already speculating what said “surprise” was.

As the call continued, he had her and you laughing in no time, making goofy faces, promising to teach her how to do a proper left hook (with Pepper's reluctant permission), and patiently answering every curious question she had about what she had seen on the news. You noticed how his shoulders dropped, tension easing the longer he talked to her. Even Pepper smiled, though her eyes flicked across the screen with a mother's worry, lingering on the faint bruises still visible on his face.

When the call ended and the familiar dial tone hummed into silence, the weight of the night returned. The room felt heavier, quieter. He was sitting on the edge of the bed, his elbows resting on his knees, phone dangling forgotten in one hand. The other scrubbed across his face as though trying to rub away everything he’d just relived. You straddled his lap slowly, grounding him with your presence, settling so your chest was against his, your arms around his shoulders.

Your fingers threaded into his hair, gently scratching at his scalp, something you knew calmed him. “You want to tell me what happened?” You asked softly, your voice barely above a whisper. His throat bobbed with the effort of swallowing. “Yeah,” He rasped. “Yeah, I do.” And so he did. He spoke in starts and stops, piecing what had happened in fragments. He told you about flying to D.C. to expose Valentina de Fontaine. How he’d manage to convince force Yelena and her father, John Walker, Ava Starr, reluctantly, to gather enough evidence to bring Valentina down. But as usual, she was always ten steps ahead.

“She was manipulating this innocent man, Robert Reynolds, Bob, to somehow become the world’s New Avenger under her control, yet her plan had a horrible flaw,” He explained, eyes distant. “Bob, he had another side of him. This drug trail, it wasn’t anything like what happened to Steve or Banner. There was a darkness, a void.” Your hand moved from his hair to his chest, palm flat over his heartbeat. “Go on.” You coaxed softly, watching as his breathing grew more labored.

“The worst part,” He muttered after a long pause shutting his eyes, bracing himself. “Was that this alter ego, he could get inside our heads. All of us. It wasn’t just telepathy. It was like he peeled something back. Like he could reach into the rot of the trauma we’d buried and drag it into the light.” His voice cracked on the last word. Your arms tightened instinctively around his back, rubbing in slow reassuring circles. “He saw inside my worst nightmare,” Bucky continued, each word weighted and raw.

“And then he made me live it again. It felt so real, Y/N. The cold steel of the restraints. The stench of antiseptic. I was strapped down at that H.Y.D.R.A. base again. My body was fighting, but my mind—” His jaw clenched hard. “They were erasing me. Again and again. Every time I’d start to remember who I was, they’d wipe it clean. My name. My face. You.” A pained breath escaped him. “You were fading. I couldn’t hold on to you.” You leaned forward, resting your forehead against his. “But I’m right here,” You whispered.

“You held on enough to help your friends. To come home to me.” He swallowed back a whimper, blinking back tears. “I didn’t think I’d make it out,” He admitted, his voice hoarse. “I didn’t think I deserved to.” You tilted his chin gently until his eyes met yours. “You always deserve to come home.” For a long time, he didn’t say anything, just let himself breathe against you, his arms wrapping around your waist like you were the only thing tethering him to the earth.

Then, with a shaky exhale, he lifted your left hand and brought it to his lips again. He kissed the engagement ring slowly, reverently, holding your hand against his chest. “This,” He murmured, voice barely audible, “is the only thing that kept me from breaking.” You felt your own tears gather against your lash line as you processed his words. “Bucky, sweetheart, while I'm not thrilled you jumped into danger," You began, your tone soft but laced with honest concern. His arms wrapped around you tighter, keeping you anchored against him.

“I know, doll,” He murmured, his voice low against your lips. “I’m so sorry I scared you.” You pressed your index finger to his mouth before he could say anything else. “But I am so proud of you,” You declared firmly, your words laced with admiration, leaving no room for protest. That brought a real smile to his face, that rare kind of smile that lit up his features and made the years of pain and burden momentarily vanish. The kind of smile that always made you swoon just a little, no matter how many times you saw it.

“Besides,” You added with a dry scoff, “Let H.Y.D.R.A try to get close to you again and see what happens.” He raised an eyebrow, half amused and half confused. “What, you gonna fight 'em with your sarcasm?” You rolled your eyes, but your voice was calm and certain as you lifted your left hand between you. The ring glinted in the low lamplight. “No. You have me. And I’m not going anywhere.” Understanding dawned in his expression, and something unspoken passed between you.

You had seen each other at your best and worst, through blood and bruises and sleepless nights. And still, here you were. That was all he needed. And that was more than enough.

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[godzexperiment]

every once in a while nix has batshit solutions to his family drama and it's like this was in none of his previous iterations so he really is just feral in his more or less final form

also im dying at him going from lock them in a room to genuinely considering paintball guns of all things like sure he acknowledges it would be an terrible idea but the mere fact he even considered it... (span of a not even few months the muse development is going great)