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1- What are the elements of fraud and must all elements be present? 2- What is the distinction between criminal and civil fraud? Why does

1- What are the elements of fraud and must all elements be present?

2- What is the distinction between criminal and civil fraud? Why does it matter?

3- What is the estimated financial impact of fraud in the world? In the USA? In your home country? ( If your home country is USA , use Ecuador)

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