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Appreciate your intent.

You are correct on #4. I've heard some stories about hrackers storing piles of cash under the couch [this case was in Ukraine], made from cracking banks/ATMs. Definitely, black activities are much more profitable. But I do not think that [in real life] those that crack get most of the money, with few exceptions. Biggest pile usually goes to those who organize or cover (underworld Board/CEO equivalent).

However, the start-up fever, which started in Russia appr. 1-1.5 years ago, is getting traction, as well as tech industry. This provides more opportunities and better risk/reward ratio and shall result in that more and more people will be moving to bright side.

And yep, the smart brain has no nationality.




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