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We are using the term wellbeing as the main outcome of interest.Within minutes hundreds of pounds will be swiped because the fraudsters had looked over your shoulder at the cash machine and watched you input your PIN.Hackers can often easily break your passwords if they have your name, age and email address — all information freely available on the internet.Alternatively, they may have fiddled with your personal details — such as your age, address, job or information about past claims — to get a cheaper price.They then charge you more and pocket the difference.