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was in rough financial shape as the 2012 holiday season drew near.

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She’d been out of work for a year, ever since quitting her longtime clerical job at the county public health department in Charlotte, North Carolina.

The 45-year-old divorcée and junior-college dropout now lived in Bluefield, West Virginia, a fading town near the Appalachian coalfields where she’d been raised.

On the Tuesday after Thanksgiving, Elrod opened a checking account at a First Community Bank branch located just across the state line in the twin town of Bluefield, Virginia.

Despite her hand-to-mouth circumstances, Elrod’s new account soon began to receive a series of sizable wire transfers, many of which originated abroad.Please press on the "rocker" to enable Flash for your browser.You can also lock-release Flash by pressing on the "puzzle" icon in the top right corner of your browser.Elrod would spend the next few hours visiting other Bluefield establishments that offer Money Gram or Western Union services: the Advance America payday loan store, the Food City supermarket, the austere cash-for-titles joint located literally under Route 460.At each stop she’d wire another chunk of money to Sinclair.Over the course of one December week, for example, almost ,000 arrived from Norway; on January 2, someone in France sent ,977.

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