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Just tell them that you are currently awaiting a funds transfer from a Central African Bank from your long lost Oil Barron Relative who has died recently, and left his entire fortune to you. This is of great importance, as the attorneys have been searching for you for months.
And that you are helping out an exiled Nigerian woman who needs to transfer funds out of the country into your checking account, so that she can come to America, and escape her abusive husband who is a high ranking official for the country's ruthless, and horrible dictator.
When those transactions are complete, you'll get right on it, because you like to diversify.
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