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1 WHAT IS IDENTITY THEFT During identity theft, criminals acquire key pieces of personal identifying information such as name, address, date of birth, SSN, mother s maiden name, employment information, credit information, and other vital facts in order to impersonate and defraud the victim This information enables the thief to commit numerous forms of fraud, including taking over the victim s financial accounts; applying for loans, credit cards, and Social Security benefits; purchasing homes and cars; and establishing services with utility and phone companies Simply put, identity theft is the stealing of your good name and reputation for financial gain Yet not everyone can agree on a suitable meaning of the term The definition of this crime differs among law enforcement, regulatory agencies, and the many studies on this subject.

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The United States Postal Inspection Service states that [i]dentity theft occurs when a crook steals key pieces of personal identifying information to gain access to a person s financial accounts 2 The United States Secret Service calls it identity crimes and defines it as the misuse of personal or financial identifiers in order to gain something of value and/or facilitate other criminal activity 3 The President s Identity Theft Task Force Report issued in April 2007 stated that [a]lthough identity theft is defined in many different ways, it is, fundamentally, the misuse of another individual s personal information to commit fraud 4 The report goes on: Criminals must first gather personal information, either through low-tech methods such as stealing mail or workplace records, or dumpster diving or through complex and high-tech frauds, such as hacking and the use of malicious computer codes.

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Press Ctrl+N. The blank le appears immediately. Click the File tab in the upper-left corner of the program window and then click New. The Backstage view appears and presents new le options, like the one for Excel shown in Figure 3-2. Double-click the Blank document type icon, which closes the Backstage view and immediately opens the new document onscreen. Because the Blank document type icon is usually selected by default, you also can simply click the Create button in the lower right, under the document preview.

Figure p].87 7.90 For the nelwork shown in Fig . P7.90, use PSP ICE to pl ot V,,(I )

5 More detailed information on the Task Force Report can be found in 18 The October 2007 study entitled Identity Fraud Trends and Patterns: Building a DataBased Foundation for Proactive Enforcement issued by the Center for Identity Management and Information Protection at Utica College in Utica, New York provided detailed new research on identity theft For a more detailed discussion of this study, please see 19 The study agreed with the President s Task Force that the fraudulent use of personal identifying information name, address, SSN, date of birth are elements of identity theft but fraud involving credit cards, debit cards, and ATM cards are not The report stated: While the theft of a credit card may result in fraudulent charges, it does not result in the theft of an identity.

Note that at resonance, the numerator and thus Vo go to zero. We want resonance to occur at 60 Hz. Thus, I Wo = _r.-;c: = 2.". (60) = 120.". v LC

Let further A = TJT-' denote the Jordan canonical form of A (cf. Prob. K2), and define the n x n diagonal matrix D = diag{E, & . . . ,en}, for any given positive scalar E. (a) Show that DJD-' has the same form as J with the unit entries of J replaced by E. Conclude that the one norm of DJD-' is equal to p(A) E .

Output 7.7 Factoring the correlation matrix of the eight pronouns for the two Poe stories The Facts in the Case of M. Valdemar and The Man of the Crowd.

6 The study went on to quote a line from the President s Task Force: For example, a stolen credit card may lead to.

+ + 2 each iteration step as w1 (l + 1) = w1 (l + 1)/ w1 (l + 1) (which ensures that E{y1 } = 1).

A negotiation set, which represents the space of possible proposals that agents can make. A protocol, which defines the legal proposals that agents can make, as a function of prior negotiation history.

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