“I barely got through the Algebra section.”“You need to have Jacob study with you,” Rachel said. “He got me through Algebra II and this semester in Trig/Pre-Calc.”“You don’t suppose they changed the test based on what courses we’ve taken, do you?” I asked. “That would be mean.”“Adaptive content,” Joan said. She had a faraway look in her eye. “They’ve been working on this test for five years. That’s plenty of time to write a computer program that will give you more advanced problems based on what you’ve answered correctly. I’ll bet it adapts the content to the student answers.”“Shit! That means they must think I’m way advanced in math. This test is just supposed to target what we need to work on, not trigger placement in the Service, isn’t it?” I said.“So they say,” Beca said. “If they’re tricky enough to use adaptive content, I wouldn’t trust anything.”“Fuck, fuck, fuck,” I breathed. Everyone looked around to see if there was a monitor near enough to hear what I’d said. They relaxed. I didn’t charge anything. What’s going on?” In that instance, the call gets bumped to the head of the queue. The database of vendors is searched. An off-shore porn company? Over a hundred cards charged for six items by that company just before midnight?A calling force is organized to call all the affected cardholders to warn them that unauthorized charges have been made and their card information could be compromised. New cards are issued. Refunds are made, and the unit sent out to investigate the fraudulent vendor reports back that the company’s accounts have all been closed and the vendor has disappeared. Net loss absorbed by the credit card company of over $25,000 plus time. There is no one to prosecute. Perhaps the company’s fraud losses move from two basis points to two-point-one basis points. The fraud barely registers in the accounts as a bookkeeping error.But someone out there just stole $25,000.It was the fraud hotline that led me to the seamy underbelly of the EFC.
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