In late 2008, we received an email from Kathy, a client of several years, requesting that we wire money to her. Kathy is a writer who travels a lot for her work, so this was not an unusual request. What was unusual was the fact that she indicated she would not be available by phone for several hours and included instructions for wiring the money to a bank in South Carolina. Apparently, Kathy was already at the airport and was beginning the boarding process. She was running late, and her need for cash was urgent.