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Hi mum, how are you? No it has been a long time. Keith's business folded you know, so it's been a struggle. Oh just while you are on the phone could you let me know your passport number. I know, weird request, I need it for e-verify so I can remortgage your hous... I mean check the mortgage on your house. Nothing for you to worry about mum. It's all this new technology, you can't do anything without it nowadays. Ok have to go, I'm getting some funds through so I have to book the holiday. Bye for now!