Danny Cremeens was the Rotarian of the Day. Danny spoke about the threat of cyber criminals, scammers who target the elderly and others. $16 billion was lost due to scams last year. Millennials lost more than the elderly. He handed out copies of "A Back Customer's Guide to Cybersecurity." Scammer use social media to gain enough information to try to trick people into sending money with a cash card, or other type of money transfer. Sometimes scammers call with enough of your credit card info to try to trick you into giving more information, such as login credentials or passwords. Some callers will ask, "Can you hear me ok?" If you say yes, they will use the recording of your voice to authorize orders on your behalf. The best thing to do is to hang up immediately. For more information visit www.fdic.gov/consumers/consumer/guard