In 2025, Americans reported losing $15.9 billion to fraud-the highest total on record, up from more than $12 billion in 2024. The FBI's Internet Crime Complaint Center separately recorded $20.877 billion in reported losses tied to internet crime. Complaint data capture only part of the damage: federal research and congressional testimony indicate that total consumer losses, after adjusting for underreporting, may be many times higher and could approach $200 billion a year.1 Behind every one of those dollars is a moment. A phone rings. An email arrives. A friend shares a post. A stranger smiles. And in that moment, someone says yes when the wise answer was not yet. This book is about that moment.
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