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it appears to have all been accessed via atms/online banking. accessing my bank accounts, nothing to do with credit cards.
i certainly don't keep my pin with my card. in fact, i only used my card a single time while in NYC.
my accountant is up and heading over to my place right now. it's now 7:45 am in my time zone, and i'm going to pour myself a very stiff gin and tonic :)
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