The receptionist had gone home for the evening. The bank's operations office was dark and quiet, except for the glow of a computer screen and the faint sound of a lookout whispering, "Do it - quick"' to his partner.

Less than a minute later, the stealthy pair walked briskly from the building after installing a piece of software on a personal computer. The program recorded the PC user's system password and security code when he signed on the next morning.

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