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Nope, I'm wrong.
It is $25.00.
The neighbor is irrelevant.
If he'd had the change in his till, he'd have ended up cheated out of $15.00 plus a cap in exchange for worthless money.
Instead, it's like he borrowed $25 real dollars from the neighbor and then paid it back with real dollars. He's still only out $15.00 plus a cap.
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