Level 3 means dealing with offers and warnings that may sound new while still following old fraud patterns.

Ask:

• is someone pressuring me?
• do they want secrecy?
• do they want codes or transfers?
• are they trying to move me off my normal safe path?

Even if the scam uses a new script, the underlying structure is often the same.

What to do:

• Use the pattern, not the surface story.
• Do not let novelty make you forget the basics.

This lesson is part of Money & Banking Online from Lumoset Foundation, Fort Wayne, Indiana – free, always, with no account and no catch.