We have slept together, took that trip to L.A. together, and lived together for most of the time we have known each other." "Yes, Master. And I have l...ved every minute of it." "That's the other thing. You and I have both confessed that we have feelings - deep feelings - for each other." "Yes, Master that is true. I do love you." "And I love you too, Chelsea. That is what has been on my mind, not just today but during our trip as well." "What, Master? Please tell me!" "Chelsea I know that you. We expect it and plan for it. Most fraud losses would cost us more to prosecute than the loss itself. Frankly, you can’t even call it fraud most of the time. Usually it’s a spur of the moment decision by someone who is desperate and sees what they think is an opportunity. Could be as simple as finding a credit card and charging a shopping spree to it. Sometimes we still get the captured number and signature used by an unauthorized person. Occasionally it’s something more serious like a raid on. More

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