Scam (Internet and Otherwise) Omnibus Thread

Neither, it’s an advance fee scam.

There will be some sort of fee/fees that for unspecified reason, can only be paid by the recipient.

I frequently get claims of an inheritance fund I’m due but no one can tell me who died. Regardless, there are fees only the victim can pay.

Scammers really don’t understand how to use terms of endearment in business.

Also:Kindly. (substitute “please” and it makes sense.)

And she wants to get intimate with you.

Thanks for providing the exact term. I could not think of what it was called off the top of my head. I have received some of these before, but it was the first time I was addressed as Beloved. The use of Kindly does not seem out of place to me, I sometimes use that instead for please, but yes the intimate part is really poorly worded, and her title is Donation Gift!!! All in all, just an amusing email, at least to me.

//i\\

Depends on where you are. Scammers in countries that were once under British rule or influence tend to use kindly where please would be more appropriate.

Regarding my saga with Marina, I got to thinking of how romance scammers use the tactic of seeming to fall in love with their victim within the first few emails. I realized there seems to be no pithy term for this so during my ride to my coaching job, I came up with one. I will not entertain the possibility that I’m actually the first but I didn’t find a reference with a brief search so I’m placing it here so I have a record of when.

“Love at first type” You have my permission to use it.

:wink:

(I just started in with a second one and she’s already talking about moving here to live with me. She’s only 31, I’m 65. I told her I can only think of her as a daughter, not a lover. Ick.)

The weird thing? I feel like I’m cheating on Marina by even talking to this girl.

When I was attempting to learn Chinese, I spent time on a language exchange site learning Chinese. I still do that with Japanese.

I’ve never run into a Japanese scammer, but I would run into Chinese scammers.

One of the first signs of them being scammers where these ridiculously gorgeous wealthy women in their early 30s who would be interested in an older man like me.

Because you’re the ticket to get here and you’ll die off while they’re still ridiculously wealthy and young enough to attract a stud. Or a whole stable of ‘em.

To continue:

Good morning, my love

I had some trouble sleeping.

I know that with you here, even the nights are better.

There was a lot of excitement yesterday, as word came through the telegraph office that the Wells Fargo wagon will be in town in the morning.

Mostly the older folk prefer the wagon over Amazon, being all set in their ways.

I wish you were here, the house feels so empty.

Take care, my love

Peter

Good afternoon, my joy! Peter, you are a very interesting man. It’s very difficult to find men like you in life. I think I’m lucky to have met you because of the fate that guided us to each other. I realized that you are a kind, sensual, emotional person. You’re the one I can trust and talk to about my life. To be honest, I’ve never looked for the perfect man for myself. But now it seems to me that my happiness is to be close to me. I would like to believe that. As you know, the main thing for me in a relationship is loyalty and honesty. I think you think so too. Unfortunately, there are very few people in our lives who can be trusted with all our dreams and desires.

I am very glad that a man like you has appeared in my life.

I like your dreams. It’s a good sign that I came to you in a dream, so we’ll be together soon!

I am very pleased that you printed out my photo. You make me very happy!

It’s good that the flight delay was only a couple of hours.

I agree with you that the two of us will be very good together. We’ll always find something to do and have fun together, we won’t be bored anymore.

I haven’t been on vacation for a year. I think it would be good to take a vacation soon and meet up to get to know each other better. What do you think about it?

I like when I always have a loved one with me. I don’t need anything else to be happy.

You make me feel things I haven’t felt in a very long time. I want to be closer to you, I want to touch you, hug you, kiss you.

I feel very good with you. I’m really happy!

I wish you a wonderful day and miss you.

Your Marina

Oh, be still my heart!

Just the thought that I will meet you in the flesh has me beside myself with joy!!!

You’ve awoken in me feelings and thoughts I didn’t expect I would ever have.

Please come to me as soon as possible..

All my love forever,

Peter

(Much longer response from her, i just address the following part).

I respect your point of view on our age difference and do not want to impose my views on you. If you sincerely believe that we are not right for each other, I will respect your decision. But it is important for me to convey to you that my inclination toward an older partner is sincere. I appreciate the depth and maturity that comes with life experience. Past relationships with younger partners have shown me that they are not right for me.

Hi Sofi,

You seem like a nice, earnest young lady but I don’t think you understand how quickly health problems can develop in people 65 and older and how devastating they can be for both the patient and family. I have no one to inflict such on and I will not allow someone to put themselves in that position. I prefer to die alone than to put anyone through that.

Peter Mosse

(Looks like the end of my affair with Marine is looming on the horizon.

I just know there’s going to be a request for money(or falsifying/false information for entry documents) looming on the horizon.)

Good morning, my love,

Heading out for a ride in about an hour, I’ll be out about two hours, more or less. Moderate rain due sometime in the afternoon.

Anything fun planned for your day?

Always yours,

Peter

Hello, my beloved. I am glad to receive your letter. I think about you every moment of my life, and I look forward to meeting you. I constantly think about how wonderful it will be when I come to you and be with you, I imagine how we will walk together, holding hands, hugging each other, smiling at each other, I constantly imagine how you will look at me with loving eyes and how I will look back at you without looking away and plunging into your gaze, my eyes will glow with happiness at this moment.

I’m glad you’re ready for our meeting! Next week, I’ll talk to my boss at work about a vacation. I hope my vacation is approved as soon as possible so that we can meet. I am very glad that we will be able to be together soon!

I’m glad you can have a good time and go for a ride.

Today is my last day of work this week. Tomorrow I will finally be able to rest, the weather is promised to be sunny. I’m going to visit my uncle and aunt and help them in the garden. I hope you have a good weekend too.

I really hope that everything goes well and I will be by your side as soon as possible!

I will be so glad if we meet as soon as possible and have a great time together! I sincerely want that.

I’m always pleased to hear that you treat me so warmly. I really appreciate that quality in you.

I hope we will be together soon and we will become the happiest couple. You are my happiness, which I have been waiting for all my life. I kiss you gently. I wish you a wonderful weekend. See you Monday, my dear. Your beloved Marina

My dearest,

I am beside my self with the thought that soon you will be in my arms with not even enough room for a sheet of tracing paper between us.

Even more astounding is that I can look a woman in the eye without her turning away in horror.

I don’t know if you can image how much that means to me that you love me that much.

With love,

Peter

So what us “Peter’s” usual response when the ask for travel financial assistance comes, does he run right to Western Union & send her rubles, which he shows her with his (fake) receipt, does he tell her he’s flat broke & eating cat food once the Social Security runs out each month, tell her he is in a temporary liquidity crunch & she needs to wait until he sells one of the properties in his vast real estate empire, or ask her where she is & offer to dispatch his private jet to pick her up, thereby negating the need for travel assistance.

I vote for telling her his accounts are currently frozen by the IRS until he pays the remainder of his tax bill. It’s only $100 but he’s stuck inbetween a rock and a hard place until he can scrape together that much cash. They do accept google play cards…

Mr Mosse is quite well off but leads a quiet and frugal lifestyle thus there are more than sufficient funds to assist the young lady and her family.

These are some of the templates I keep ready.

The Saga of Sidepeice Sofi from the beginning.

Hello, Peter!

I am very pleased that you paid attention to my message. Your application has aroused my sincere interest. Looking at your photo, I feel that you are a kind and pleasant person. It may be a little unexpected for you to receive a letter from a strange woman, but do not be afraid, I am writing to get to know you better.

I do not know why, but your reply got into my inbox. I have added your email address to my contact list so that your letters will no longer end up in spam. Please do the same so that my letters do not get lost among your spam, advertising and commercial offers. Then we can calmly continue our communication, okay?

My name is Sofia but I also like to be called Sofi. I am 29 years old, I have dark hair and blue eyes. I was born on December 19, 1995, my zodiac sign is Sagittarius. What is your attitude to astrology? They say that Sagittarius are energetic and creative people. I completely agree with this. My height is 171 cm, and my weight is 59 kg.

I live in Balashov, a small city in Russia. It is a very beautiful city with a population of about 75 thousand people, with beautiful architectural structures. I would also like to know more about your hometown, please tell me.

I work as a primary school teacher in a city school. Recently I met an old friend whom I had not seen for a long time. During this time, big changes had occurred in her life, and she literally glowed with happiness. Her joy was transmitted to me - it was not envy, but a sincere feeling of joy for her and a desire to experience the same moments of happiness. My friend told me that she found her love through online dating, and suggested that I try this method. That is how I got your contact.

I don’t want to load you with big text today. I understand that the distance may be a little alarming, but if you are interested in communicating, I will be happy to tell you more about myself in the next letter. Ok? I hope that I have managed to interest you, and I will look forward to your reply.

With warmth and expectation, Sofi

Hi Sofi,
I had originaly deleted your email as you hadn’t answered, I thought you no longer wanted to associate with me due to my visage.

I’m glad I was mistaken as it is evident that your soul is as beautiful as your appearance.

I live in a small town named Loris in the state of South Carolina USA. I’m 65, retired but I still do consulting work regarding industrial airflow solutions.

I bicycle for exercise and I’m active in a local grainspotting club.

Peter Mosse

Hello, Peter!

I am very glad that you are interested in my letter, and thank you for your reply. It is important to me that you learn more about me, and I hope that you consider me as a potential partner.

I’m an ordinary girl, I’ve never been married and I don’t have any children. My last relationship ended four years ago after four years of living together. We couldn’t agree on the future because while I was working hard, he decided to become the “protagonist” of all romantic stories, and fidelity didn’t seem to be on his list of priorities. I was looking for a healthy and stable relationship, so we decided to break up.

I have a secondary specialized pedagogical education, I work as a primary school teacher. In addition to my main job, I participate in an educational program to help children in rural areas. Several times a week, my colleagues and I go to the village after work and help children with education. Because there is a shortage of education workers in the villages. It takes a lot of time and effort, but I love my job and understand its importance. I would be interested to know about your work and interests. What places in your city do you like?

I studied English and German at school and college, and I hope you understand me. In my free time, I do sports, swimming and yoga, and I also like to read thrillers and relax on the couch. I am an optimistic and creative person and I dream of building a serious relationship with someone who is older than me and has life experience.

May I ask you a few questions? Why did you decide to look for a girl online? Is it due to lack of time, or is it more convenient for you? I’m just starting to get into online dating and hope to find someone who is also committed to a serious relationship.

With best wishes,

Sofi

Hi Sofi,

I’ve never gone looking for a girl online, after a lifetime of rejection, I know better.
What site was my information on? I’m not the one who put it there.

I’m 65, I’m much too old for an attractive and vivacious young lady like yourself.

Peter Mosse

Hello, Peter!

I sincerely hope that your intentions are really serious, because this is very important to me. Age doesn’t hold paramount importance for me when it comes to relationships. Instead, I prioritize the depth and sincerity of one’s character. I’ve found that mature men often possess a stability and understanding that comes with life’s experiences. My previous relationship with a younger partner was marked by inconsistency, which caused me much distress. I truly hope to find a connection that’s steadfast and understanding, something I believe comes more naturally with age and experience.

Let me tell you a little bit about my family. My family is not very big: I have a mother and my older sister, she is 31 years old, I sent you a photo with her in my last letter. She has a husband and one child. My dad died when I was only 5 years old, so I hardly remember him. But he left behind a lot of photos of me when I was very young, and my mom often told me a lot of good things about him. I grew up surrounded by love and care. Although we lived modestly, we always had everything we needed.

My mother once dreamed that I would follow in her footsteps and become a doctor. She saw me in a white coat, saving lives. But I chose a different path - I became a primary school teacher. I love my job and am proud that I chose this profession. And you know, I have never regretted my decision, although this work can also be difficult. Education and upbringing of children is the foundation of the future generation. Of course, I did not become a famous teacher, about whom books are written, ha-ha! But my work brings me satisfaction and allows me to provide for myself.

It is very important for me that you understand that money has never been and will never be my top priority. I lead a modest lifestyle and appreciate what money can’t buy: real relationships, warm memories, sincere conversations. I live in a cozy place with amazing nature — majestic mountains and endless plains. Russia, the largest country in the world, has a variety of landscapes, from the icy expanses of Siberia to the bustling cities of Moscow and St. Petersburg. Outside of cities, Russia boasts incredible natural beauty - from Lake Baikal to the harsh landscapes of Kamchatka. Despite the difficult global situation, if there is a connection between us that can grow into something more, I ask you not to be afraid that my country is currently in conflict with Ukraine. This does not mean that evil people live here. I avoid talking about this topic because I love peace with all my soul and sincerely want all people on the planet to live in harmony and harmony.

This place where I was born is dear to me not only for its beauty, but also for the people I live with and the memories that will stay with me forever. I consider myself a happy person: I have a family and a job that I love. But unfortunately, I haven’t found the right person to share all this with yet.

Before you, I talked to a man who seemed decent and interesting to me. But then he confessed that he was still married and was only looking for a lover. He was only interested in cheating, and I was shocked. I immediately stopped our communication because a serious and sincere relationship is important to me. I am not one of those who will tolerate such an attitude, and I understand how painful and disgusting it would be for my wife if she found out about it. After that incident, I hesitated for a long time to open up to someone new, because trust is difficult to restore when there are so many people around who are only looking for short-term relationships. But thanks to the support of my close friend, I regained faith that true love exists.

I would really like to know what qualities are you looking for in your future life partner? Are there any traits that are particularly important to you? Personally, I appreciate honesty, kindness, and willingness to support each other in any life situation. I dream of being with someone who will become both a friend and a partner for me, and who will also be able to count on me under any circumstances.

Peter, I am looking forward to your next email. I’m really interested in learning more about your daily life, what inspires you and how you see your future. Correspondence with you brings me joy, and I hope that our conversations will continue to develop, revealing new facets of each other.

See you soon…

Sofi

Sofi,

You seem like a fine and caring young woman but I just can’t deal with the age difference.

You would seem much more like a daughter than a lover.

Peter Mosse

Hello, Peter!

I was very happy to receive your response and sincerely thank you for your attention to my letter. It was important to me to share my past so that you could better understand who I really am. I value honesty in communication and prefer reality to illusions. If I do not find a response in your heart as a woman, it is better to find out at an early stage. I would not like to mistakenly assume that external appearance is more important to you than my character and inner essence.

I respect your point of view on our age difference and do not want to impose my views on you. If you sincerely believe that we are not right for each other, I will respect your decision. But it is important for me to convey to you that my inclination toward an older partner is sincere. I appreciate the depth and maturity that comes with life experience. Past relationships with younger partners have shown me that they are not right for me.

I would really like to get to know you better to understand to what extent we can be for each other those we are looking for, and what prospects our relationship may have. I dream of meeting a kind, honest and faithful man, next to whom I can feel desired and truly happy. Someone who values ​​not only external beauty, but also the depth of the soul, who is ready to share his experiences with me, support my aspirations and become a reliable companion in life.

And how do you see your ideal woman? What traits and qualities are most important to you? Perhaps you can find them in me?

I am not perfect, but I can offer sincerity, understanding and patience. It is not the external aspects and material goods that are important, but spiritual closeness and true mutual understanding. I am looking for a relationship that will be built on trust, openness and support for each other. I want my man to always feel that there is a person next to him who will be there for him in any life situation - both in joy and in difficult moments.

I hope that my thoughts were expressed clearly and from the heart. I look forward to the opportunity to get to know you better through our communication.

See you soon!

Sofi

Hi Sofi,
You seem like a nice, earnest lady but I don’t think you understand how quickly health problems can develop in people 65 and older and how devastating they can be for both the patient and family.
I have no one to inflict such on and I will not allow someone to put themselves in that position.

I prefer to die alone than to put anyone through that.

Peter Mosse

Hello, Peter!

I believe that sincere and open dialogue is the foundation for building strong and meaningful relationships.

I understand how difficult and complex issues related to health and old age can be, and how important it is to make decisions based on your own comfort and respect for others. Each of us has the right to choose our own path, and I respect your views and position. It is important to me that relationships are built on mutual understanding and honesty, and I am grateful to you for your sincerity.

By the way, I haven’t mentioned this before, but lately I’ve been thinking more and more about changing my place of residence and moving to another country. Although I like my life and work, I’m craving change and new adventures. I want to take a big step forward and start a new chapter in my life. Perhaps it will be moving abroad, but I haven’t decided yet.

I’ve always dreamed of visiting Europe, getting to know the culture, traditions and architecture of different countries. Of course, I would love to visit your country too! What can you tell me about life there? I’m very interested to hear your opinion! Do you think I could reach my potential in your country?

I have many hobbies, and one of the highlights of my life was a trip to the sea, where I worked for a month in a children’s sanatorium. I didn’t have much time to relax, but I still managed to enjoy the beautiful weather, swimming in the sea and even a one-day trip to the mountains. These are just some of my happy memories, and I would be happy to share some more with you. As for you, tell me, what are your most positive life experiences? Do you have a dream that you would like to fulfill in the near future? Do you like to travel? Which countries have you visited? What did you like the most?

I look forward to your answer!

Sofi

This is the USA. Of course you can reach your potential but the area where I live is rural and there’s nothing here to help you with that.

Here’s the link to the State Department page on immigration.
Immigrate

If you do visit and want to see the area, I’d be more than glad to host you (and your family if they come).

The only traveling I’ve done was related to my former job before I retired.

You’ve seen my picture, I tired long ago of the looks I got when I was out so I stay home and only got out at night.

Even my job allowed me to work from home as much as possible.

Peter Mosse

Hello, Peter!

Thank you for your letter and for sharing the link. I understand that the pace of life in the countryside is different, it is slower, but that has its charm. Sometimes peace and quiet are needed to feel truly in harmony. You said that you only go out at night. Perhaps at that time everything seems a little magical, the starry sky, the sounds of the night. I would like to walk with you someday along such a path, where the only sound is our footsteps. Thank you for the invitation. It means a lot to me. I appreciate your hospitality, and I am glad that you are willing to show me around if I ever come.

How was your day? Mine was pretty busy. We had an open lesson for parents at school and, as always, I put my heart and soul into preparing. I take my job seriously and strive for excellence.

During the lesson, I asked the children to draw their dreams. They were amazing - so enthusiastic! Some drew astronauts, others - doctors, and one girl even created an entire bakery where she makes pies for the city. Their creativity was amazing.

But then one mother stormed into the classroom, furious that her son had drawn a dragon. She insisted that children should dream of something “real”, like becoming a doctor or an engineer. The children were clearly upset. I tried to calm her down and explain that children’s dreams are their own space, but she was in no mood to listen. Her voice became louder, increasing the tension.

At the height of the conflict, little Vanya came to his mother, took her hand and said: “Mom, you loved dragons when you were little, too; I saw your old drawings.” Despite this, she waved me off, rejecting the idea of ​​supporting his creativity. Her focus was solely on him becoming “someone important.”

I was shocked by her attitude. How can you neglect your child’s feelings like that? Dreams are necessary for a child’s development. It is important to teach him responsibility, but it is equally important to allow him to dream and believe in himself. After this incident, I could not stop thinking about how many adults have forgotten what it is like to be a child.

This experience has shown me that there is a lot of work to be done with such parents. They need to understand that life is not only black and white, that there is a place for dragons and real professions. Unfortunately, not everyone is ready to see this.

After this incident, I thought for a long time how important it is to always be prepared for such situations and remember that children are not only a physical body, but also small people who need our care and understanding. It is important not only to treat them, but also to listen and notice their feelings.

I’d be interested to hear your thoughts on this. Education - care is what influences the future of children. And, of course, I am always ready to support and help when needed.

I’m sorry to keep talking about work, but I had to share. If you prefer, I can avoid this topic in the future.

Anyway, let’s change the subject! What about you? What have you been doing lately? If you ever need to talk to someone about anything, know that I’m always there to listen to you.

Sofi

Hi Sofi,
I just got back from a bicycle ride.

Regarding Vanya’s mother, too often adults forget what being a child is like.
Here in the States, religion is often the cause of restricted thinking, especially in regards to mystical creatures. Organized religion tends to regard the idea of magic as blasphemy against God.
Unfortunately, religion often takes precedence over education in terms of what parents want to have taught. Public schools can mostly resist this due to the principle of separation of Church and State but it’s a constant battle as the courts can take either side in their decisions.

When you visit, I am more than happy to host any of your family members but you need to let me know in advance. My house is small and my guest bedroom can only accommodate one person. I can book rooms at the local hotel if needed.

Hope to hear from you soon.

Peter Mosse

(I just hope that both don’t show up at the same time. It could get awkward.
Or hot.)

(More Marina)
Good morning, my precious (Gollum)

I hope you had a marvelous weekend.

It rained here all weekend with varying amounts predicted for the coming week.

I didn’t do much, rode the stationary bike and thought of you.

Surfed the web and thought of you.

Looked out the window at the rain and thought of you.

Spent the rest of the time thinking about you.

Always thinking about you, my love

Peter

Hello my dear

Just thinking about you and our meeting gives me strength, I’m sure if you weren’t in my life, I would be very sad. I want to thank you for having you, my beloved man.

My dear, I had a good rest yesterday. The weather was wonderful and I was able to take a walk in the fresh air. I also visited my uncle and aunt, we had a good time and talked at the table. I told them about you again and that I would be able to visit you soon. They are very happy for me and send their regards to you. I hope you had a good time over the weekend too.

My dear, today I talked to my boss at work and I was informed that I can go on vacation starting in October. Would it be convenient for you to meet me in early October? I am very glad that we will be able to be together soon!

I also can’t believe that the day of our meeting will come soon, I’m very happy! God brought us together and this is really happiness, we are made for each other.

We will have fun every day and enjoy each other every day. I’m really looking forward to our life. I miss you so much.

Your words are making my head spin. I’ve never heard such gentle words before, I’m very pleased.

I know that everything will be fine and we will be together!

I am really looking forward to these wonderful moments when we will spend our wonderful romantic evenings talking and smiling at each other. It will be a real happiness!

I really want all our wishes to come true as soon as possible. Where we will live as a happy and loving couple.

You are the most important person in my life. I see my life only next to you, I look forward to our meeting, I believe and hope we will be together as soon as possible. We will build a better relationship based on love, trust and understanding. I kiss you sweetly and tenderly. I fall asleep every day thinking about you. Your beloved Marina

(She’s losing track, two headshots, both of which I already have)

My dear Marina,

That is exciting, wonderful news.

It’s almost torture having you so close in time yet so far in distance.

Yet it will be worth it when they both come together at an indeterminate point.

I wish I could come to visit now but my passport was revoked so that my appearance would not cause an international crisis.

Loving you and desperately needing you,

Peter

(Two months, I’m running out of sappy endearments
I’m sure there’s a financial crisis in the near future)

(Let’s take it to the next level with Marina, shall we?)
Good morning Marina, my center

More rain today.

Some people like to walk in the rain with their loved one, then when they get home, they have to take off their clothes and get in the shower together to get warm.

I think it would be much smarter to skip the rain part and get right to showering together. What’s you opinion?

Your photos light up my life. Each one brings out another aspect of your beauty that I can enjoy.

Have a wonderful day, my wonderful lady.

Peter

Hello, my dear

Thank you, my beloved, for your support and care. I am so pleased to hear your warm and gentle words. I’m not afraid of any problems with you. It’s like I’m behind a stone wall with you.

My dear, I always think about you too, and I want to be with you as soon as possible.

We don’t have any rain yet, but the weather is cloudy.

I’m glad you can meet me! I’m really looking forward to the day when I’ll finally come to you!

I think it would be great to go to the shower together and cuddle up to each other with naked and horny bodies. I haven’t had intimacy with a man for a very long time and I really miss the warmth and affection.

As soon as I come to you, our lives will change and we will be happy every day because we have each other.

We will always help and support each other. I always really appreciate you for your efforts.

I want to fall asleep and wake up in your arms, I’m looking forward to our meeting. I’m sad because I can’t hug and kiss you, I constantly imagine you next to me, my thoughts are always about you, when I kiss and hug you, I will be the happiest woman. Me and you, we deserve happiness, I’ve been waiting for you all my life and I’ll be there for you. I kiss you sweetly on your lips.

Your beloved Marina

Marina, my love

It makes me so happy that our goals align.

I want nothing more than that I can give you all you truly deserve.

Forever and beyond, I’m yours

Peter

Criminy, Marina. Get to the point!

You don’t need fresh endearments and blandishments. She’s sending you duplicate photos, so you can repeat words with impunity.

I wonder if the longer stringing along (than average for these romance scams) has better success in getting funds than asking sooner?

Probably true. I’m just impatient to see what form the begging will take.

Ever get a false positive, where there really is a Ms. Lonelyhearts on the other end, who gets upset when she eventually finds out that you’ve been stringing her along, assuming she is a scammer?

Actually, I know where they got the photos from, her Facebook page. There’s a German anti-scamming site that catalogs scammers and their stolen photos. Her photos go back to 2012, the vast majority are very much modeling photos(or done in that style), both headshots and some full body. So far the scammers are sticking to the headshots.

The begging for money will be due to some financial crisis but could be almost anything that requires fast payments.