Actually to me Anna wanted to out smart you girls but at a point I find truth in what she's saying. These actually could happen to anyone Sha.
You did well by making the whole story a by gone. I think friends should always relate and iron issue just the way you did.
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Yeah...she was trying to outsmart us but she didn't plan for the person who stole the card, deducting money from the account and calling our attention to the fact that she lost the card.