is the sending of fraudulent emails to an organization’s employees designed to look like they came from high­-level executives from within the organization.

Janice recently received her college degree and is looking for a job. she is worried that since she just finished school, she will be required to repay her perkins and direct subsidized loans immediately. janice pulls out the paperwork she signed and reviews it again for repayment information. after reading all of the information, janice discovers that