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The processor typically sends out one or more letters, and follows up with phone calls. In the authors interviews with merchants, they usually tell the processor as little as possible. The processor shares the desire to get the task completed as quickly as possible. As a result, the merchants often do not understand exactly what is being asked of them, how far out of compliance they may be, or what the consequences could be by "Fibbing." Those asking questions often implied the "Right" answer... for example a question one has heard several times is: "One doesn't store credit cards does one?"
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