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____ occurs when an individual uses the personal information of someone else to impersonate that individual with the intent to commit fraud or other crimes.
Variable Costs
Expenses that change in proportion to the level of production or business activity, such as raw materials, labor, and energy costs.
EMV
Expected Monetary Value; a decision rule used in decision analysis where you multiply the value of each possible outcome by its probability of occurrence, summing all these products to get an overall measure.
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