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We had to pay, twice. FBI was no help, they just wanted a copy of my data to “research” but then never heard from them again.
No, you didn’t have to pay, you chose to pay.
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Just out of curiosity, with regard to xFA, (Factor Authentication), what value of were you using and how quickly did you up that number? Were you running Windows? How new was the maintenance level? Were you running Avast?