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Picture this: You’re on a business trip and just finished a long day of work. It’s late evening, and you’re walking to a restaurant near your hotel, when two men approach you asking for directions. As you begin to answer, they flash a gun and push you into a car that has just pulled up to the curb. They drive you to an ATM, where they force you to empty your account and call your family to deposit more money in the account. You’re held for a day, and the kidnappers receive $8,000.

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