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I have a loophole--or more accurately, an ash vent in my fireplace. It leads to a spot in my basement that is completely inaccessible without compromising the structural integrity of my home (it's a block wall that holds up the fireplace and some key joists).
When I need to return the paperclip, I'd take a sledgehammer to the block wall and get it that way (I'd probably attach it to something easy to find before dropping it). The $5Mil will more than cover repairs, even if my house collapses.
If that isn't legal, I'd just go down to my basement and tuck it between a floor joist and the floor above, plus hide a bunch of decoys in my basement to hide tracks. They would only find it by pulling up every layer of floor in the entire house, which would take much longer than 12 hours.
The rules have nothing about you destroying your own house to get the paperclip back. I think this works!