Answer the questions thoroughly. 

1. List and explain the four phases of criminal activity facilitated by identity theft/fraud.

2. How can identity theft be distinguished from identity fraud? Is it true that identity theft leads to identity fraud? Explain with an example of your own.

3. How do college students become victims of insurance and loan fraud? Offer suggestions on how students can minimize or overcome this victimization.

4. Assess the virtual or Internet-facilitated methods by which computer criminals steal an identity. Elaborate with examples of your own.