No, Toby, you're never careless with your credit card. Never ever. But you are a remarkable actress. It takes a deep talent to reel in shock for such a sustained period of time. Many developing artists have watched this performance in amazement. For them I have transcribed your entire telephone conversation. Acting with a telephone is more challenging than most people realize, so I offer the following to be used as an exercise in acting class:
TOBY CALLS HER BANKTOBY
(speaking on the telephone): This is Mrs. Toby Cameron. I received a message about a fraud alert on my account! It must be some kind of mistake!
TELEPHONE: We suspect it's not. Did you move to
CANADA?TOBY: Canada? No of course not! I'm at the same address as always!
TELEPHONE: Just as we thought. We noticed not only a change of address for you, but also unusually large purchases recently made on your card.
TOBY
(reeling in shock): !!! Reassigned me a Canadian address? Unusually large purchases on my credit card? ... You've got to be kidding me!
TELEPHONE: I'm sorry Mrs. Cameron. It looks like someone gained access to your account and
took advantage of that.
TOBY: I don't believe this! How bad is the damage?
TELEPHONE: In addition to the charges made on your credit card, there were several large ATM withdrawals made as well.
TOBY: But my credit card wasn't stolen! And I only shop at
reputable stores!
TELEPHONE: I'm sorry. Your current credit card balance is $18,000.
TOBY: Oh, my! (Aside:) Ian's going to kill me!
TELEPHONE: We'll try to work with you to control the damage...
TOBY: I can't believe this is happening to me!
TELEPHONE: We've seen this occur before, Mrs. Cameron. It's unfortunate, but it seems you've become a victim of identity fraud.
TOBY: What's going to happen
now?TELEPHONE: We'll immediately close your account. This will stop further damage from happening.
TOBY: What about the damage that's
already been done?
TELEPHONE: We'll reverse the credit card balance and reissue you a new card.
Rest assured.TOBY: Easy for
YOU to say. You said someone changed my account address to a Canadian one?
TELEPHONE: Yes. With technology today, access to personal information crosses all borders. Financial crime occurs everywhere. Anyone can be a target.
TOBY: Like me. I'm so upset I can hardly see straight.
TELEPHONE: Mrs. Cameron, we want to help you and we're willing to cooperate in any way we can. Nowadays public access to private information has become commonplace. It's unfortunate this happened to you.
TOBY: "Unfortunate" is not the word for it!
TELEPHONE: We'll process a claim for you. Identity fraud is a serious crime and we want to protect our customers.
TOBY: Thank you. I'm sorry for my outburst... I'm upset that this has happened. I appreciate your help.
TELEPHONE: You can call us if you have further questions.
[CURTAIN]Today's full strip.
Yesterday, Caroline pointed out that the the pattern on the Camerons' drapes at home had suddenly disappeared, but now we know where they went - they're so co-dependent on Ian's pomposity that they've followed him to Chicago courtesy of the Dharma Initiative. 
She's done it again! This proves that our illustrious writer, Karen Moy, neither reads our blog, nor cares what we write.
No, Toby, you're never careless with your credit card. Never ever. But you are a remarkable actress. It takes a deep talent to reel in shock for such a sustained period of time. Many developing artists have watched this performance in amazement. For them I have transcribed your entire telephone conversation. Acting with a telephone is more challenging than most people realize, so I offer the following to be used as an exercise in acting class:
Now that we've wrapped things up on the identity theft story, I have a few ideas for future plot lines:
Fortunately, Toby has taken the receiver away from her ear. Unfortunately, it doesn't necessarily mean she'll hang up. Fortunately, the bank fraud specialist is being helpful. Unfortunately, Toby still doesn't have a clue what they're talking about. Fortunately, Ian is in Chicago so we won't have to listen to his pompous exhortations. Unfortunately, Toby is suddenly acting like Ian. Fortunately, this telephone conversation can't go on any longer. Unfortunately, that's what I thought last Friday.
I think it would be interesting to compare national suicide statistics with this story's plot progression. I for one wanted to be put out of my misery this morning. Of course you'd probably want to check worldwide statistics because, as you know, with technology today, Mary Worth crosses all borders. No wonder the U.S. is despised abroad.
Well, the torturous telephone conversation continues, and we still end today's strip with a close up on Toby's face. Except now she's staggering around her house as if she were in some sort of slasher film. Replace the telephone voice with these words: "Toby, we've traced the call. It's coming from INSIDE THE HOUSE!" and you have a much more interesting story.
I will tell you why I'm so excited by today's strip: for over a month, everyone except Toby has known her identity was stolen. And so each day we've been treated to a strip where nothing has happened, or a faceless voice on the phone has explained to Toby what we already know. The lack of suspense has been killing me. 