We get followup feedback on gift cards. Joe describes a banking payment scam on a Canadian university. Dave reveals some sneaky apps. A reader shares a story worth its weight in gold. Jenny Radcliffe from Human Factor Security shares her insights on social engineering.

Links to stories in this episode:

https://www.thestar.com/edmonton/2018/10/09/how-a-fraudster-got-12-million-out-of-a-canadian-university-they-just-asked-for-it.html

https://www.forbes.com/sites/johnkoetsier/2018/10/04/app-scams-cheap-utility-apps-are-stealing-260-2500-or-even-4700-each-year-per-user/#9de2b67162ac

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Fear, flattery, greed and timing.