3. Per the Fraud Examiners Manual, why are refund schemes more difficult to perpetrate in many high-tech retail stores? A. the cash registers have anti-fraud controls that prohibit cash sales. B. the cash registers have anti-fraud controls that require only cash sales. C. the cash registers have anti-fraud controls that prohibits the refund to be made to the original credit card. D. the cash registers have anti-fraud controls that require the refund to be made to the original credit card used for the purchase. 4. Per the Fraud Examiners Manual, what distinguishes an illegal gratuity from a bribery scheme? A. An illegal gratuity does not necessarily include intent to influence a particular business decision after the fact, but a bribery scheme does. B. An illegal gratuity does not necessarily include anything of value, but a bribery scheme does. C. An illegal gratuity does not necessarily include intent to influence a particular business decision before the fact, but a bribery scheme does. D. A bribery scheme does not necessarily include intent to influence a particular business decision before the fact, but an illegal gratuity does