She saw him once more that week, when she dawdled in front of a department store window, looking at the still-up Christmas display. The window she pic...ed was near the bus-stop that David waited at, and she saw his reflection as he also looked in it — or was it at her? On Saturday the second of January, Ginny woke up before she needed to, at least for a Saturday. Partly, of course, this was because of all those years on the farm where the cows and chickens didn’t take weekends off. She never. Computer gurus don’t analyze threats on the fraud hotline. It’s a place where consumers report problems with their accounts. I guessed that only one out of ten people who suspect a problem with their accounts actually report it. That would be comparable to the number of consumers who actually send in rebate coupons when they buy something at a store.Half the time, credit card statements aren’t even examined unless there’s an expense report to be filed. An unfamiliar charge might be passed off. More

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