Arthur sat in his home office, the blue glow of his laptop illuminating a face of pure confusion. He had just received an email that made his heart skip a beat: a renewal notice for services totaling $419.00 .
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Arthur almost called the number provided in the email to "dispute" the charge. Had he done so, a friendly-sounding "agent" would have likely asked for his bank details or requested remote access to his computer to "process the refund"—only to wipe out his savings instead. Arthur sat in his home office, the blue