Mary (pseudonym) worked hard all her life and put together a modest nest egg for retirement. Guarding her savings, Mary was her husband’s primary caregiver, choosing not to pay for help in their home. After her husband’s passing Mary began to receive the telephone calls from a stranger. Lonely and vulnerable, Mary listened to the kind words from someone who sprinkled the conversation with questions and comments that connected to Mary’s international roots, church affiliation and widowed status with no children. The caller having established a degree of rapport and trust went in ‘for the kill’. “Mary, the reason I called you is that you have won a one-million-dollar prize and I need your h
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