Instead, the online contact, according to the report, is often a criminal with a well-rehearsed script that they use over and over again.

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"People tend to get comfortable using their own techniques, and they use the same approach over and over again, " Wright explained.

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Especially because people have a tendency to use the same password over and over again.

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What this creates is chains of counterparty risk, where multiple re-hypothecation borrowers use the same collateral over and over again.

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They use the same patents over and over again.

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