It's 10 PM, it's 95°F inside your house, and your AC just stopped blowing cold air. You're sweating, you can't sleep, and you're staring at your phone wondering if this warrants a $500 emergency call or if you're overreacting. Here's the thing — not every AC failure needs a midnight rescue, but some do. Knowing the difference could save you money, prevent system damage, or keep your...