On an ATM belonging to Sesame Bank, Bert places a card-skimming device to pull information from the magnetic strips of users' debit cards. The device then transmits the stolen data to Bert's buddy, Snuffy, who uses it to gain access to, and empty, the bank accounts of the users, including Emic. Emie learns of the theft the next day when he was at the bank and notified Sesame Bank straight away. 1. Is Ernie entitled to a recredit of his account for the loss due to the theft? 2. If so, how much? 3. Explain, referring to the appropriate law