Fast Question

Let's do a test, which one is a scam? a) An email claiming to be from a bank asks you to click on a link and enter your personal information, but it's actually a scam to steal your identity. b) An investment opportunity promises high returns but actually uses money from new investors to pay off older investors, creating a fraudulent scheme that eventually collapses. c) You receive a message saying you've won a lottery you never entered, but in order to claim your prize, you have to pay a fee first. Once you pay the fee, the scammers disappear with your money and there is no prize. d) A email for a two-step check for a program you installed on your computer