If you have not read the script for the next big movie, based on a true life story of a certain Nigerian, here it is 
http://money.cnn.com/2011/01/24/real_estate/onwuhara_home_equity_fraud_full.fortune/index.htm

Note the financial institution that has a security mechanism that refreshes questions on reload, other than the correct one. 
Note #2. Financial institution does not mind since insurance covers losses

I keep thinking,  carrier in Financial insurance is worth more than one as a security expert, financial institutions never understand security, but they understand insurance very well


--
with Regards:

The Chinese are known to be entrepreneurs, and coupled with some imagination, are now playing the role of nature in food and beverage production. http://gramware.blogspot.com/2011/01/chinese-way-to-become-imaginative.html