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Seriously, though, for those unhip to these scams, if you ever do receive one of these things (from a bank, PayPal, credit card, etc.) the best way to authenticate it is to either a) call the institution in question and ask, or b) log onto your account using the bookmark or link you normally use. That is, never click a link embedded in one of these e-mails. And never send an e-mail to finegirl_13.
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