WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial, legal, counseling,
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professional service, or any advice.
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You should seek the services of.
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Competent professionals before applying or trying any suggested ideas. The
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information contained in this podcast is intended for informational purposes
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only and is not a substie for individual professional legal advice.
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The podcast information was carefully compiled from vetted sources and references. However,
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Rose Resources outreach to safeguard the elderly cannot guarantee that
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you will not fall victim to a scam. Let's talk
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about scams. It's the must listen show for anyone who
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wants to protect themselves and their loved ones from scams.
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Every Tuesday am Pacific time on kfour HD Radio, Joyce Petrowski,
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founder of Rose, and her guests will provide valuable insights
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and practical tips on how to recognize and protect yourself
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from scams. And now here is your host, Joyce Petrowski.
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All Right, welcome back, everybody to let's talk about scams.
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I'm your host, Joyce Petrowski, President of Rose Resources Outreach
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to Safeguard the Elderly. You can go to our website
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Roseadvocacy dot org and find more information more resources. You
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can sign up for our email and or mailed newsletter.
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You can also find our social media links. And you're
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going to want to click on the events tab. We
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have an awesome third annual Golfers for Senior Protection Tournament
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coming up in Phoenix at Arizona Grand on Friday, April eleventh.
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We are still looking for golfers, sponsors, donation items, and volunteers,
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so reach out if you need any more information on that.
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And now I want to get into our topic today.
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We're going to talk about pig butchering scams and psychological
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techniques that scammers use. And I'd like to introduce our guest,
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doctor Martina Dove.
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Hi.
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Hi everyone, good, how are you Martina?
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I'm good, I'm good. Nice to see you again and
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nice to be here.
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Thank you, Thank you. I appreciate you being here.
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So you.
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Wrote a case study, a white paper on scam techniques
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in pig butchering scams and so That's what I wanted
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to talk about today. So I guess let's start with
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what is a pig butchering scam? I'm finding a lot
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of people have not heard of that term.
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Yeah, so a pig butchering scam is a very clever
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spin off romance scams. It actually combines what used to
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be a financial type of scam, how how victims would
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typically be scammed in a financial you know, kind of
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like scams and frauds, and then it incorporated a Roman
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scam element. And what I mean by that there is,
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you know, in a typical romance cams a grooming component
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would last for many months, and this you know, serves
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to groom the victim to comply at some later stage.
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So it enhances trust, It enhances the emotional component, you
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build friendship, you know, even when there's no specific romantic
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element to it, there's a friendship building up and that
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obviously will lead to greater compliance. And so like these
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financial scams that used to be much quicker that would
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persuade people to invest, you know, like have now become
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a little bit more weaponized in terms of just building
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the trust upfront, which then pays off a late stay.
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Got it okay, and I just realized I forgot to
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ask you if you could introduce yourself and tell us
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how you became such an expert on these scams and
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senior scams in particular.
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Yeah, Like, I'm really a psychologist, you know, kind of
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by education, I studied psychology and then for my pH d,
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I really wanted to do something around how people, uh
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you know kind of you know, how people make decisions
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and what are influenced by And I was specifically interested
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in the Barnum effect, which is a cognitive bias. And
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a Barnum effect is something that happens to us where
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let's say there's a fake clairvoyant telling you your fortune.
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You know how you process that information that you get
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and typically you will get information that is very vague
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that can apply to anyone, but you're going to think
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that this is really true of you. So so I was
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really interested in Abantum effect, and I didn't quite know
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how to apply it to, you know, a problem in
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a society until I read the paper that talked about
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the psychological influences in phishing emails. And this is where
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I got really interested in fraud and I ended up
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doing a pH d around scams and house scams persuade,
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and also what makes people vulnerable to scams? So what
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are are factors and personality you know, points or you know,
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what kind of things about us make us vulnerable to
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You got it?
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And you actually wrote a book on it. Why don't
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you tell us a little bit about the book.
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Yeah, Like, when I finished my pH d, because it
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was a quite you know, like it was still a
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really novel arena and a kind of novel topic, and
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there was some literature on it, but it wasn't easily
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found that I had to piece together from other psychological literature.
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You know. What I wanted to do. I wanted to
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create a book so that it's really easy for people
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to read and find out everything that could make us
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vulnerable to fraud and also has commers persuade. So I
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kind of pulled all of my studies into the book
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and I've added to it some research on deception and
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how you know, like if a s commer is communicating
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something to us, what are some of the things that
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persuade in that communication? You know as well? And how
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to really think about, you know, things around fraud because
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people think that you know, this would happen to other
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people who are not smart, but I think it can
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happen to everyone, and really scammers, very some are very sophisticated,
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using very sophisticated techniques.
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Yeah. Absolutely.
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And the name of your book is The Psychology of Fraud,
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Scam and Persuasion Techniques.
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That's right.
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It's an awesome book.
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I have it.
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I've read it, I've gone back to it and looked
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at things at various different times. It's available on Amazon
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if anybody's interested in getting it. And I think a
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lot of people immediately go to the financial aspect when
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you're talking about scams, and we need to draw more
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attention to the psychological and emotional effects because if you
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can understand that, I think that's going to help you,
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in addition to a lot of the different protection tools
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right to be able to have less risk of falling victims.
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So let's get back to the pig butchering. So we
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know that that you said, that's a they've sort of
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weaponized the romance scam, and they're not in essence, you know,
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from start to finish in two to four hours on
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the phone with you, they're taking their time to go
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through a grooming process so they're still targeting the same
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as they would for any type of scam.
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Is that accurate?
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Because I've always said everybody's a target, right, scams don't.
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There's no intelligence component to it, no fund you know,
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if you have a lot of financial assets or don't.
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It's everybody's a target.
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So are scammers in essence looking for specific characteristics when
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they're trying to do this pig butchering scam?
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I don't think there are. I think, like whereas romance
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scams used to be very targeted to people maybe on
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dating sites or maybe people you know, there was a
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russianale behind. It's very difficult to study cameras as well,
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because I want to talk to you. Russianale behind the
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romance fraud was typically they would target let's say women
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or men at the certain age where they're likely to
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be divorced or where they're likely to be single. They
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would target dating sites where they know are looking for partners.
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So there was some kind of targeting, you know, like
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phishing emails less so they would be a cast white
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cast net. Some fishing emails are more targeted than others.
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You know, if the targeted the CEO of a company
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or somebody in a company to fish the company. But
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I think with the pig butchering scams, what's happening it's
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kind of you know, they're trying to cast the wider
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net and see what they catch. And you know, I
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say that because I've looked at several of these communications,
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and you know what's smart about them is that they
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adapt to the victim. So, for example, if a victim
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is receptive towards the more romantic aspect, the skop is
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going to play on that. If the victim isn't open
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to that, but it's open to let's say, receiving a
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financial advice, they will be playing up to that. So
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it's very adaptable scam that that, you know, I think
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starts with like a fake you know, a fake text
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but tending to be a wrong number and engaging you
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in conversation. It starts very friendly and then picks up
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the cues from the victim as to what they may
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need out of this conversation.
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Yeah, I can't you mentioned.
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You know A possible way it starts is the fake
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text right a wrong number. I can't tell you how
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many of those I've gotten where the text message comes
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through and it's like I'm looking forward to getting together tonight,
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and it's like, okay, I have no clue who this
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person is or you know, just I've been trying to
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call you and you know, can you whatever right? Or
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they even put a different they'll just put a name
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in there, right, Hey, Julie, how's it going, right? And
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it's like, okay, that's not me. It's a wrong number.
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And a lot of times you want to be nice
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and you want to respond back and go, I think
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you have the wrong number, but you can't do that
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because one that lets them know that that number is active, right,
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and there's somebody behind it. But then they're going to
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start with their techniques, start like the conversation right to
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drum up a conversation.
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Yeah, no, definitely. You know one thing that I would say,
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I think so much of our information has been hacked
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from legitimate sites, you know, and I think like when
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they're targeting you, they almost always know it is a
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live number of some sort. Okay, I think, like what
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this fake? You know, like I'm calling it to take
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it's a real text that arrives, but it's prettend it's
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a wrong number. You know, when you receive these texts.
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What I want to do is they want to engage
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you in a conversation, and they're playing on a very
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known persuasion technique, you know, like firing social norms, like
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what you've said. You want to be polite. You don't
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want somebody to be waiting somewhere thinking they contacted their friends.
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So you're going to respond. And then the key is
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to actually engage you in a conversation. So this camera
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may say, I'm really sorry, please forgive me. You know,
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I thought it was my friend. You're going to say, oh,
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don't worry about it. Then they're gonna say, so you
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know where you based you? You know, they engage you
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in this like really benign conversation. And that's another persuasion technique,
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because the more you engage in any kind of conversation,
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the harder is to stop replying. So you know, it's
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it's a non persuasion technique called you know, commitment and consistency.
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We want to be you know, really consistent. We are
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a nice person, so we don't want to not reply,
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and then we keep replying and then you know, like
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maybe they'll ask you a question, you'll reply politely, you'll
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wanna you know, kind of like cut the conversation, but
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they'll try and try and try, so it's it's it's
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a really clever way. It's a like originally it's a cast,
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you know, to cast a really wide net see what
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they catch. And then it starts from like small kind
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of conversation. Maybe that day you're going to exchange a
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few texts. The next day they're gonna text you again,
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and so on and so.
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Forth, right, because the more you engage in the conversation,
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the more comfortable sort of and committed right you are.
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And they're going to say thank you for letting me know,
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and you're going to be like, oh, you're welcome, not
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a problem, right. It just kind of going back and forth,
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and then before you know it, you're finding personal information
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out about this person and they're asking you questions and right,
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just to kind of get you in deeper and deeper.
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True, And you know, like how these conversations start that
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they start usually they're about you, so you want to,
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like you tell them about you. You know, you feel
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like this person is just like interested in me, and
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that kind of builds a bit of a bond. And
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then they'll typically start to mimic what you're telling them.
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So if you're telling them, you know, let's say I'm divorced,
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I have, you know, one child, it's really difficult to
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raise the you know children, they'll say, oh, yeah, me too,
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like I'm finding it hard, you know. So a lot
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of the time they will mimic who you are. And