Have you ever received a phone call from your bank’s fraud department? A number appears on my phone that I don’t recognize, and, just this one time, I pick up, and I hear, “Hello, my name is June. I’m calling from the fraud department of <massive international bank>. Can I confirm who I’m talking with?” So I respond, “Hi June, my name is Duncan Riach. What is this call about?” And then June says, “I’m calling you today, Mr. Riach, to confirm some questionable transactions on your credit card, but first I need to confirm your identity. Please could you…

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