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Spotting online scams is a lot harder than it used to be. Gone are the days of the Nigerian princes, horribly written emails and obviously fake web addresses.

Cybercriminals are more sophisticated than ever. They’re creating emails and texts that look just like shipping notifications from major retailers, pleas from your real friends for financial help or a memo from your boss asking you to pay a past-due invoice.

That’s because there can be big money in a successful scam. According to the Federal Trade Commission, American consumers lost a reported $8.8 billion to scams in 2022.

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