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Maya was out shopping with some friends from work one day. At her favorite boutique, she had to endure the embarrassment of having all three of her credit cards declined. Red-faced, she mumbled an excuse about card security services perhaps having frozen her cards due to a security breach, and went outside to call her credit card companies, since the music in the shop was too loud.

After wading through several menus on each card company's answering system, she learned that her cards had indeed been frozen, because there had been a flurry of purchases over the last day and a half that had taken her over her credit limit. All but two of the purchases had been at men's shops and sporting goods stores that she knew her husband Gerry liked. How irresponsible could he be?

The last two charges scared her. One of them was to a property management firm, which the employee at the credit card company said could have been a renter's security deposit. The other was a security deposit and three days' rental on a drive-it-yourself furniture moving truck. Frightened and angry, Maya called Gerry's office number.

"Mr. Petersen's office," a familiar female voice answered.

"Carla, is that you?" Maya asked.

"Yes, it is. Who's this?" ...

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