4.Brett, being a second-year med student and over 21 years old, is constantly receiving credit card applications in the mail. He recently applied for and received a Visa card with a $3,000 credit limit. So far, he has been able to get through school without taking out any student loans, but money is getting tight. He worries about the next tuition payment and how to afford the next school break. He has been highly stressed and feels he needs to reward himself by getting out of town. Brett is also concerned about identify theft. This semester there was a security breach of student files and Social Security numbers were accessed. Although he is unaware of any identity theft from the breach, he has a heightened concern about becoming a target of identity theft. a) What 4 tips can you give Brett about how he can avoid being a victim of identity theft (name and discuss 4 tips)