[derekgas]

I wouldnt be too hard on this old lady, I think EVERYBODY has been scammed or ripped off at some point in thier life, if not, they are exceedingly clever, lucky, or are scammers, people always have and always will be scammed, as long as money changes hands and the banks do so little to help the unfortunate people out, designers come up with ideas all the time to protect cardholders, but if someone is clever enough to do that, there are criminals clever enough to get round it, and they have an added incentive, greed, its back to making the punishment fit the crime in my eyes.