For those of you who just moved into Santa Royale, Toby is referring to an incident seven years ago when she responded to a phishing email allegedly from Enormoushop.com and had her identity stolen. She paid no attention to the tell-tale charge on her credit card from Pretty Porpoises because it was so small, but the consequences were disastrous, and we spent weeks listening to Terry Bryson teach Toby to check her credit score. Of all Mary Worth stories ever, this one has lived on as the most "helpful."
So, by all means, Toby, congratulate Terry on getting a new fiance. She deserves it, even if the familiar territory works in his favor.
I have no idea what they're talking about.