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newsweek.com
· 2025-12-08
Scammers have been sending phishing text messages impersonating the IRS to request personal information from taxpayers in exchange for Economic Impact Payments (up to $1,400), though the IRS automatically deposits these payments without requiring any action or personal data from recipients. The fraudulent texts aim to trick victims into disclosing sensitive information such as Social Security numbers, bank account details, and passwords, which can lead to identity theft and financial fraud. Taxpayers should be aware that legitimate IRS payments arrive automatically via bank deposit or paper check with an accompanying official letter, and the IRS never requests personal information via unsolicited text messages.
stocktitan.net
· 2025-12-08
A Norton study reveals that while 60% of online daters encounter AI-generated responses and many welcome AI tools for dating profiles, AI also enables increasingly sophisticated scams. Dating app users face significant threats: 40% have been targeted by scams with 41% of those becoming victims, including catfishing (55%), romance scams (34%), and sextortion (31%), while only 46% of users can identify fake AI-generated images and 27% have had their photos stolen without permission. Norton launched Genie, a free AI-powered scam detection app, to help users identify fraudulent profiles and protect themselves against these evolving threats.
theindependent.sg
· 2025-12-08
A Singapore product trading company employee transferred S$300,000 to a fraudulent bank account after falling for a phishing scam where fraudsters impersonated the company's supplier by slightly altering the supplier's email address (changing "gmail.com" to "asia.com"). The employee discovered the fraud on January 14 when the real supplier confirmed it had not changed its banking details, and thanks to coordinated efforts between Singapore police, UAE authorities, and Interpol, the full amount was recovered and returned to the company.
monaco-tribune.com
· 2025-12-08
Phishing attacks are increasing in Monaco, with scammers impersonating trusted organizations via email and SMS to steal passwords and personal financial information. Monaco Telecom and the Monegasque Digital Security Agency warn residents to watch for red flags like suspicious sender addresses, urgent language, and suspicious links, and recommend using strong passwords, never clicking unknown links, and contacting the company directly if unsure about a message's authenticity. Monaco Telecom has implemented protective measures including temporarily suspending email account creation and increased password change monitoring to combat the threat.
northfortynews.com
· 2025-12-08
The Larimer County Sheriff's Office warns Northern Colorado residents about 13 emerging scams in 2025, including cryptocurrency investment fraud, fake security warnings, rental and car buying scams on online marketplaces, romance schemes, and impersonation of law enforcement or government agencies. Common tactics involve pressure, secrecy, and requests for untraceable payments via Bitcoin, wire transfers, or gift cards. The advisory recommends verifying all financial transactions with official sources, never sending money to unknown parties, and treating urgent demands with skepticism.
thesenior.com.au
· 2025-12-08
Qantas frequent flyer members received phishing emails claiming unauthorized access to their accounts and directing recipients to click a suspicious link to "cancel the operation," though the Qantas database was not hacked. A small number of members fell for the scam and are working with Qantas to secure their accounts; the airline confirmed the scam and reported it to authorities. Authorities advise Australians to avoid clicking links in unsolicited emails, report scams to Scamwatch, and notify their bank if personal information has been compromised.
ladailypost.com
· 2025-12-08
The Los Alamos Retired and Senior Organization (LARSO) launched the Scam Awareness for Elders (S.A.F.E.) initiative with a kickoff event on January 29, 2025, attended by 85 people, featuring a screening of the film "Thelma" and a scam prevention presentation by FBI Special Agent Ryan Davis. The spring 2025 program includes workshops on romance scams, AI literacy, and a book club focused on scam prevention, all offered free to the community through funding from the Non-Metro New Mexico Area Agency on Aging.
pcmag.com
· 2025-12-08
This educational article explains how phishing scams work and provides guidance on detecting them. The author, a security software tester with 30+ years of experience, describes how fraudsters create fake websites that mimic legitimate ones (banks, PayPal, Facebook, etc.) to steal login credentials, which they then use to access victims' accounts and drain funds or commit identity theft. Key detection strategies include scrutinizing the address bar for suspicious URLs, checking for poor website design that doesn't match the authentic site, and remaining vigilant for subtle tricks like misspelled domain names or lookalike characters.
tripwire.com
· 2025-12-08
Allen Giltman, a 59-year-old California man, was sentenced to seven years in prison for operating a scheme involving at least 150 fraudulent websites impersonating legitimate financial institutions between 2012 and October 2020. The scam defrauded over 70 victims—many elderly investors protecting their retirement savings—of approximately $50 million by luring them through search engine results and falsely promising higher investment returns. Giltman impersonated real FINRA brokers and funneled stolen funds to international accounts while using VPNs and encrypted communications to evade detection; he was ordered to forfeit $100,000 and various assets.
theguardian.com
· 2025-12-08
This educational article outlines common fraud tactics and prevention strategies, emphasizing that scammers use urgency and panic to manipulate victims into sharing financial or personal information quickly. Key advice includes: taking time to verify requests before acting, being cautious of online shopping deals and "Hi Mum" impersonation scams on social media, scrutinizing emails for subtle fraudulent indicators, and hanging up on unexpected calls to verify identities independently.
wisbusiness.com
· 2025-12-08
With Valentine's Day spending projected to reach nearly $26 billion, the Better Business Bureau warns consumers about four common scams: impostor websites offering counterfeit jewelry and fake dating platforms, romance scams targeting vulnerable individuals who can lose thousands of dollars, wrong number text scams designed to harvest personal information, and fake florist schemes that deliver nothing or substandard arrangements. Consumers should watch for red flags such as extreme discounts, requests for cash transfers or cryptocurrency, fast-moving relationships, and unverifiable business credentials, and should report suspected scams to BBB.org/ScamTracker.
kdsm17.com
· 2025-12-08
**Summary:**
Romance scams are increasing, with fraudsters exploiting emotional vulnerabilities to manipulate victims into sending money. Key protective measures include being cautious of rapid declarations of love, watching for red flags like requests for personal information or avoidance of in-person meetings, remaining vigilant against AI-generated fake personas, never sending money to strangers, and consulting trusted friends or family before making financial decisions.
freepressjournal.in
· 2025-12-08
The Maharashtra Cyber Police issued a public alert warning senior citizens about four prevalent scam types targeting them: digital arrest scams (where fraudsters impersonate police demanding online payment), investment frauds (promising unrealistic returns), sextortion (extorting money after obtaining private photos), and phishing scams (using suspicious links and OTP theft). The alert emphasizes that legitimate authorities never demand online payments or threaten arrest via phone, and advises seniors to verify investments with trusted advisors, avoid sharing personal information online, and report suspicious activity to the Cyber Crime Helpline.
wccbcharlotte.com
· 2025-12-08
The Better Business Bureau in North Carolina identified the top five scams of 2024, with online purchase fraud, phishing/imposter schemes, employment scams, debt collection fraud, and sweepstakes/lottery scams ranking as the most prevalent threats in the region. These scams increasingly employ sophisticated technology and social engineering tactics, with fraudsters either delivering no products after payment, impersonating trusted entities to steal personal information, or collecting upfront fees for non-existent prizes or jobs. The BBB emphasizes consumer education and vigilance as critical tools to combat these schemes and maintain marketplace trust.
da.sonomacounty.ca.gov
· 2025-12-08
Scammers impersonated Costco by sending phishing emails offering a free Ninja CREAMi Ice Cream Maker in exchange for survey completion, attempting to steal financial information or gain computer access. The fraudulent emails used a fake sender domain (@handtoneed.net) and created artificial urgency to prevent recipients from verifying authenticity. Consumers should verify sender email addresses against official company lists and contact businesses directly through official websites rather than clicking email links.
forbes.com
· 2025-12-08
Sandra Bullock warned fans that she has no social media presence and that any accounts claiming to be her are scams, following similar warnings from Brad Pitt after cybercriminals used his likeness in a confidence scheme that defrauded a French woman of $850,000. The article explains how modern celebrity impersonation scams have evolved from traditional "Spanish Prisoner" cons, now facilitated by AI-generated content and paid social media verification badges that allow scammers to easily pose as famous people. Experts warn that paid verification systems have replaced authentication requirements, making it increasingly difficult for users to distinguish legitimate accounts from fraudulent ones.
25newsnow.com
· 2025-12-08
The Better Business Bureau warned the public about a rising phone and voicemail scam in which fraudsters impersonated loan-processing company representatives, often using the name "Jessica," to trick consumers into sharing personal information by claiming they needed final details on loan applications the victims never submitted. The BBB received over 500 reports of this scam between November 2024 and January 2025, and recommends consumers verify company legitimacy, avoid sharing personal information with unknown callers, refrain from calling back unfamiliar numbers, and report suspicious activity.
wifr.com
· 2025-12-08
The Better Business Bureau warns of a rising scam in which fraudsters pose as loan-processing company representatives, often using the name "Jessica," and contact consumers via unsolicited phone calls and voicemails claiming to discuss loan applications the victims never submitted. The BBB received over 500 reports of this scam between November 2024 and January 2025, and advises consumers to verify company legitimacy, never share personal information with unknown callers, and avoid calling back unfamiliar numbers.
da.lacounty.gov
· 2025-12-08
A 27-year-old man in Lancaster, California was charged with stealing over $4,000 and attempting to steal over $13,000 in public benefits using fraudulent EBT cards obtained through skimming devices at an ATM. The suspect allegedly used nine different cloned cards and possessed multiple skimming devices, pinhole cameras, and re-encoded gift cards in what authorities describe as a sophisticated operation targeting vulnerable benefit recipients. The case highlights California's broader EBT fraud crisis, with over $100 million in stolen funds reported statewide in the past year, primarily in Los Angeles County.
thesenior.com.au
· 2025-12-08
Qantas frequent flyer members were targeted by a phishing email scam falsely claiming unauthorized account access and requesting recipients click a suspicious link to "cancel the operation." An unknown number of emails were sent, and a small number of Qantas members fell victim and are now working with the airline to secure their accounts. The National Anti-Scam Centre confirmed this is a common tactic using well-known brands to steal personal information and commit fraud, and advised Australians to report scams to Scamwatch and notify their banks if compromised.
futurescot.com
· 2025-12-08
Jordan Reid co-founded SENGUARD, a cybersecurity service designed to protect people over 50 from online fraud, after his grandfather Ian Gardner fell victim to a ransomware attack that wiped his files and left him isolated and anxious in his final years. The Glasgow-based start-up offers scam surveillance, account security, and privacy protection with accessible features like voice-guided navigation, and has secured £75,000 in funding to expand pilot programs across UK cities. According to cited research, scams cost older UK adults an average of nearly £4,000 each, with 1.2 million older adults reporting anxiety about online fraud.
coasttv.com
· 2025-12-08
A Millsboro nurse with 20 years of experience was targeted by employment fraud scammers posing as recruiters from IBSA Pharma on LinkedIn in November 2024; the scammers used nearly identical email addresses and the real names of actual company employees to convince her to deposit a check and purchase a MacBook Pro. After contacting the real company's HR department, Katrina discovered the deception and did not lose any money, though she was left without employment and emotionally distressed about her family's financial security. The scammers attempted to target her again two weeks later with a Walmart secret shopper scheme, which she recognized and avoided.
express.co.uk
· 2025-12-08
A 16-year-old girl in Glasgow was scammed out of £125 after clicking on a fake social media advert for clothing brand Lucy & Yak that offered items at unusually low prices; she entered her debit card details but the items never arrived, though her bank successfully recovered the funds. The scam mimicked the legitimate brand with authentic logos and product images, with only a subtle dollar sign instead of a pound symbol as a red flag. The incident highlights that teens are vulnerable to social media fraud, with research showing a quarter of British teens are likely to fall for scam texts, prompting warnings to verify sources and check official websites before making purchases.
nj1015.com
· 2025-12-08
A jury duty scam is resurfacing in New Jersey, where con artists contact people via phone, text, or email claiming they failed to appear for jury duty and threatening arrest unless they pay a fine immediately. The actual judiciary never requests payment, personal financial information, or identification numbers to resolve jury duty issues; legitimate communications may only request date of birth and residential address. Residents should hang up, avoid clicking links, and report suspected scam communications to their county jury management office and local law enforcement.
nbcchicago.com
· 2025-12-08
The Better Business Bureau issued a warning about an advanced fee loan scam in which callers, often posing as "Jessica" from fake loan processing companies, contact consumers to verify personal information such as Social Security numbers and bank account details. Between November and January, the BBB received over 500 reports of this scam operating nationwide, with victims reporting multiple daily calls from different numbers using nearly identical scripts. The BBB advises consumers to verify company legitimacy through their free online portal, never disclose personal information to unknown callers, watch for red flags like vague details and urgent demands, and report suspected scams to BBB.org/ScamTracker.
kstp.com
· 2025-12-08
During tax season, scammers pose as tax preparers and IRS agents to steal personal information, refunds, and identities, with some fraudsters filing returns to collect refunds of thousands of dollars in victims' names. To protect yourself, hire accredited local tax preparers with verifiable credentials and Preparer Tax Identification Numbers, be aware that the IRS initiates contact by mail (never by phone or email), and file your return early using trusted software or free IRS resources to prevent identity theft. Red flags include unsolicited IRS contact, pressure to pay immediately, or offers of instant refunds with high fees.
news.uthsc.edu
· 2025-12-08
Smishing attacks use deceptive text messages—featuring spoofed numbers, urgent language, and shortened links—to trick recipients into revealing personal information or downloading malware, mimicking the tactics of phishing emails but through SMS instead of email. To protect yourself, remain skeptical of unexpected texts, verify requests directly with organizations, use strong passwords with two-factor authentication, and report suspicious messages to your mobile carrier and the FTC.
mynews4.com
· 2025-12-08
The U.S. Postal Service and Postal Inspection Service issued a Valentine's Day alert about romance scams, which involve fraudsters creating fake identities online to build trust with victims before requesting money through mail, wire transfers, or gift cards for fabricated emergencies. The agencies recommend victims avoid relationships that escalate quickly or involve avoidance of video calls, never send money to online contacts, and report suspected scams to USPIS, local law enforcement, or the FTC.
abc7ny.com
· 2025-12-08
A Connecticut woman lost nearly $1 million in a romance scam after meeting someone on the dating app BLK who posed as a widower and eventually convinced her to invest in cryptocurrency. The scammer used a stolen photo, love-bombed the victim over months of phone calls (never video chatting), and showed fake screenshots of profitable crypto investments to encourage larger deposits, ultimately draining her 401K. Experts warn that staying on dating platform messaging systems, never sending money to unmet contacts, and requesting video verification are key ways to avoid such scams.
news.clemson.edu
· 2025-12-08
The Clemson University Police Department warns of multiple scam tactics targeting people around Valentine's Day, including romance scams (where scammers quickly profess love and request money), fake gift/flower websites that steal credit card information, phishing emails with malware, fraudulent dating app profiles, and counterfeit event ticket sales. The department recommends never sending money to online contacts you haven't met in person, purchasing only from reputable retailers, avoiding suspicious links and attachments, enabling two-factor authentication, and verifying all communications before responding. Victims should report suspected scams to local law enforcement or the Federal Trade Commission.
medicinehatnews.com
· 2025-12-08
Medicine Hat is experiencing rising reports of scams targeting seniors, including the Grandparent Scam, romance scams, and phishing schemes, with 78% of adults aged 65 and older having encountered at least one fraud attempt. The Veiner Centre partnered with Reality Bytes Inc. to offer a February 13 presentation on identifying and preventing fraud, and highlighted its Elder Abuse Outreach team that provides assessment, support, and case management to seniors experiencing financial abuse, some of whom have lost their life savings.
wbckfm.com
· 2025-12-08
FBI warned Gmail users nationwide, including in Michigan, of sophisticated AI-powered phishing scams impersonating Google support staff who contact victims by phone (with spoofed caller ID) and follow up with emails requesting account recovery codes that grant scammers access. The scam is particularly dangerous because it uses AI technology to create highly believable impersonations, with even tech-savvy victims describing it as "the most sophisticated phishing attack" they've encountered. The FBI advises never responding to unsolicited contact from companies claiming to be Google, banks, or other support services, and instead independently contacting those companies to verify any suspicious communications.
onlineathens.com
· 2025-12-08
Tax season scammers impersonate IRS agents to pressure victims into disclosing personal financial information or making immediate payments under threat of arrest or deportation. The IRS advises people to be wary of unsolicited phone calls, suspicious website links, demands for payment via gift cards or wire transfers, and promises of large refunds, noting that the agency typically contacts taxpayers by mail only and never requests sensitive information via phone, email, or text.
news.yahoo.com
· 2025-12-08
The United States Postal Service warned consumers about romance scams that surge around Valentine's Day, in which fraudsters create fake identities on social media and dating apps to build trust with victims before requesting money, gift cards, or wire transfers under false pretenses. The USPS recommends avoiding online relationships that escalate quickly, refusing to send money to people you haven't met in person, and being alert to requests for secrecy or urgent financial assistance. Victims are encouraged to report incidents to the U.S. Postal Inspection Service, local law enforcement, and the Federal Trade Commission.
yahoo.com
· 2025-12-08
The U.S. Postal Service warned of romance scams ahead of Valentine's Day, in which scammers create fake identities online, build trust over weeks or months, then request money through the mail by fabricating urgent financial emergencies. Victims suffer financial and emotional losses as scammers pressure them to send cash, checks, wire transfers, or gift cards that are difficult to recover. USPS advises never sending money to online contacts you haven't met in person, remaining cautious of quickly escalating relationships, and reporting suspected scams to the Postal Inspection Service, local law enforcement, or the Federal Trade Commission.
whsv.com
· 2025-12-08
The Better Business Bureau warns that "sugar daddy" and "sugar mommy" romance scams increase around Valentine's Day, where scammers pose as wealthy individuals offering victims weekly allowances of hundreds or thousands of dollars in exchange for completing "favors" like purchasing gift cards or paying bills. The scammers typically overpay victims using fraudulent checks or peer-to-peer payment services, and when the payment is reversed, victims are left liable for the money they spent. The BBB recommends verifying dates through reverse image searches, asking detailed questions, and never sending money or personal information to people you haven't met in person.
nbcmontana.com
· 2025-12-08
The USPS and U.S. Postal Inspection Service warn consumers about romance scams that increase around Valentine's Day, in which scammers create fake online identities to build trust with victims before fabricating urgent financial needs and requesting money, checks, or gift cards be sent through the mail. To protect themselves, individuals should avoid online relationships that progress quickly, verify inconsistencies in profiles, never send money to people they haven't met in person, and report suspected scams immediately.
deccanchronicle.com
· 2025-12-08
Fraudsters are increasingly using artificial intelligence to conduct sophisticated scams including deepfakes, voice impersonation, and highly personalized phishing emails that are difficult to detect even for experienced professionals. India reported over ₹11,000 crore in cyber fraud losses during the first nine months of 2024, prompting government cybersecurity budget increases and new measures like RBI-backed secure domain names (.bank.in, .fin.in) to combat fake financial websites. Experts emphasize that strong passwords, two-factor authentication, employee training on AI-driven scams, and regular security updates are now essential defenses as cybercriminals become more accessible to non-technical
yahoo.com
· 2025-12-08
The U.S. Postal Service warns consumers about romance scams that develop over months, in which scammers cultivate trust through social media and dating apps before creating fake financial emergencies to solicit money from victims. Once detected, these scams are difficult to recover from and leave victims with significant financial and emotional losses. Consumers should avoid sending money to people they've never met in person, especially those who avoid video calls or request secrecy, and should report suspected romance scams to the United States Postal Inspection Service.
nationthailand.com
· 2025-12-08
The government has issued a Valentine's Day warning about eight common romance scams that increase in February, cautioning the public against clicking suspicious links, downloading questionable apps, and using unreputable online retailers. Romance scammers typically build trust with victims before manipulating them into money transfers, and authorities urge people to report suspected scams to relevant officials.
timesnownews.com
· 2025-12-08
The FBI warns Gmail users about increasingly sophisticated AI-driven phishing scams targeting account access and personal data, noting a 49% rise in phishing attacks since 2022 that can evade security filters. Hackers use malicious links and unsolicited calls impersonating customer support to steal credentials, with legitimate companies never initiating contact to request passwords or personal information. Users should be extremely cautious of unsolicited messages requesting personal data and avoid clicking links from unknown sources.
abc7news.com
· 2025-12-08
**Summary:**
Consumers in Sonoma County were warned about a phishing scam impersonating Costco that offered a free Ninja CREAMi Ice Cream Maker in exchange for survey completion. The fraudulent emails, originating from "@handtoneed.net" rather than an official Costco domain, aimed to steal financial information or gain computer access. Authorities advised recipients to verify sender email addresses and avoid clicking suspicious links.
indianexpress.com
· 2025-12-08
Scammers are exploiting fake Interactive Voice Response (IVR) systems—automated phone systems used by banks and government agencies—to trick victims into revealing sensitive financial information through spoofed caller IDs and professional voice cloning. Recent incidents include a woman in Bengaluru who lost Rs 2 lakh and a man in Sri Vijaya Puram who lost Rs 80,000 after responding to fraudulent calls mimicking their bank and government agencies. Legitimate IVRs never request OTPs, CVVs, or passwords; senior citizens, non-English speakers, and new online banking users are most vulnerable, and people should hang up and independently verify contact numbers when
telluridenews.com
· 2025-12-08
Colorado drivers have been targeted by a widespread texting scam impersonating state highway authorities, claiming unpaid toll invoices or traffic violations and demanding immediate payment via text message. The Colorado Department of Transportation has confirmed this is at least the third wave of the scam, which appears to originate from either bulk Colorado phone number databases or randomly generated numbers, with some victims reporting they paid specific amounts like $18.49 before realizing it was fraudulent. CDOT advises drivers never to click links or respond to such texts, noting that legitimate toll violation notices are only sent through official ExpressToll accounts or U.S. mail, and warns the scam will likely continue to circulate.
nbcbayarea.com
· 2025-12-08
A Bay Area woman lost over $400,000 in life savings after receiving a fraudulent text claiming unauthorized pornography purchases on her accounts, which prompted her to call scammers who used fear tactics to gain access to her finances. The incident highlights a gap in California consumer protection laws, as Governor Newsom previously rejected a bill that would have allowed banks to delay transactions and notify account holders, similar to protections already in place in Florida.
ice.gov
· 2025-12-08
Romance scams are confidence schemes where perpetrators build trust with victims to extract money through false pretenses. Nearly 70,000 Americans reported being victims in 2022, with older adults losing approximately $240 million that year; scammers commonly use red flags such as claims of foreign locations, requests for video call avoidance, inconsistent stories, and demands for payment via cryptocurrency, gift cards, or wire transfers. Protection strategies include remaining suspicious of unsolicited contact, verifying identities through independent means, and never sharing personal information or sending money to online contacts, particularly those who quickly profess love or request alternative communication platforms.
kauainownews.com
· 2025-12-08
The County of Kauaʻi Agency on Elderly Affairs, in partnership with multiple state agencies through Kupuna Alert Partners, is hosting a free fraud and scam prevention presentation to address a rising tide of scams targeting seniors, particularly romance scams ahead of Valentine's Day. Romance scams involve criminals creating fake online identities to build trust with victims over weeks or months before soliciting money through fabricated emergencies, often requesting payment via mail, wire transfers, or gift cards. The presentation will cover Medicare fraud, securities fraud, identity theft, and prescription drug misuse prevention, with the U.S. Postal Service emphasizing caution against online relationships that escalate quickly and recommending victims never
recordnet.com
· 2025-12-08
Romance scammers intensify their tactics around Valentine's Day, using social media research and emotional manipulation to build trust with victims before requesting money, gift cards, or cryptocurrency. Scammers employ various schemes including fabricated emergencies (medical bills, travel costs, equipment damage) and increasingly sophisticated methods like Bitcoin transactions, while also resorting to blackmail and threats. Experts advise vigilance across all communication channels and recommend contacting local law enforcement if victimized, noting that while elderly individuals were traditionally targeted, younger people are now also vulnerable to these evolving scams.
wcnc.com
· 2025-12-08
Romance scams have surged significantly, with BBB reporting a 13% increase in 2021 and more than double the cases in early 2022 compared to the prior year. Scammers create fake dating profiles using stolen photos and fabricate elaborate backstories (often claiming military or overseas work) to build fake relationships, eventually requesting money with increasingly persistent demands. The BBB advises potential dating app users to watch for red flags such as reluctance to meet in person, rapid declarations of love, requests to move off dating platforms, suspicious language patterns, and hard luck stories before money requests are made.
spdblotter.seattle.gov
· 2025-12-08
Romance scams cost victims over $1 billion in 2023 and $800 million in 2024, with scammers using fake personas and social media information to build trust before requesting money, cryptocurrency, or personal information. Older Americans are particularly vulnerable, with seniors losing an estimated $28.3 billion annually to financial exploitation. The FBI recommends verifying online identities, taking relationships slowly, never sending money to online-only contacts, and remaining cautious of requests to move communication offline or claims of overseas emergencies.