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The “prize notification letter” contained a legitimate-appearing (but phony) check for $8,050 from a real insurance agency in Montana. And a phone number, which your humble columnist dialed.

United statesRocky mountainNew yorkJudy willisTroy klineSuzie boyerJerry willisHugh elliottUs postal inspection serviceMountain insurance groupInternational lotto commissionUs federal trade commissionInternational sweepstakesPublishers clearing houseLottery boardNorth america