I had this very awful experience this morning. Midway to my station in a public utility jeepney, I noticed that I forgot my wallet. I had no money for fare and it was such a shame. Glad that cellfones were invented because I was able to call in my workstation, to let my staff borrow money and wait for me at the place where I alight for the office. I borrowed money for lunch and fare in going back home, too. What a terrible experience.