The next signal I explain to Kelly is one I call loan-sharking: “He wanted to be allowed to help you because that would place you in his debt, and the fact that you owe a person something makes it hard to ask him to leave you alone.” The more traditional loan shark gladly lends one amount but cruelly collects much more. Likewise, the predatory criminal generously offers assistance but is always calculating the debt. The defense is to bring two rarely remembered facts into consciousness: He approached me, and I didn’t ask for any help. Then, though a person may turn out to be just a kindly stranger, watch for other signals.