What had I done? And what was I going to do? I was sure that Lisa was expecting me to come to her last night, to support her in her preparation for he... last final as we had planned. She would want to know where I had been. What had I been doing? How was the party? Why had I not come to her?I made up every elaborate excuse possible in the known universe, from staying away in her best interest to being kidnapped by aliens and rectally probed. In the end I knew what I had to do. I had to tell her. 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 as just another expense. A married person might assume something was charged by the spouse. There are those who call the phone. More

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