I got a message this week from a woman in our community ; sharp, careful, not the type to fall for anything obvious. She forwarded me a text she had received that looked exactly like it came from Apple. Professional logo. Proper formatting. Polite but urgent tone. It said there was suspicious activity on her Apple Pay account and she needed to verify her identity immediately. She almost clicked it. She didn't, because something felt slightly off. But she told me she genuinely