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Flag shagger.
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And yet, when I worked with MPs, the horror-stories I heard at surgeries from constituents convinced me not to use Internet banking. I heard of people who lost everything and the banks refused to help them. And it seems there's little or no comeback on the fraudsters. You'd think the banks would have got together to fight it, seeing as they are so keen on everyone doing their banking on the Internet, but... no.
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