Hey Pam. This was so thoughtful and thorough. Thank you. I hate these scam things. I sometimes think maybe I am too careful, but having read your piece I know I am doing what I need to do.

Some of these bogus communications are SO clever, huh. One has to stay vigilant.

P.S. May I ask an unrelated question? Given the way Medium’s posting format works, your page breaks are perfect! Do you create them yourself? If yes, is it an easy process? Or is there an app or website to get them? Or…ha, should I already know this😂🙄😃