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By now, it would seem every American who touches a keyboard has been scared silly by reports of online fraud and the risks of doing business over the internet, but an even more insidious electronic threat has made its way onto the national landscape – ATM skimming. 

Yes, never mind the murky world of viruses and trojans and hijacked web browsers.  Many of today’s cyber crooks  are compromising  consumers by way of the ATM, and while industry estimates vary, some put total card skimming losses at $8 billion a year. 

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