u/thekonny

I recently got a letter in the mail about a denied loan application (which I never applied for), because luckily I had recently frozen my credit agencies accounts. I've been trying to defend myself from other attacks, and gemini tells me that there is a risk of someone misusing my NPI and that I should audit my billing. I wanted a reality check on this one from real people. Anyone been in this situation?

What is the technique of strumming down on the "and". Are you supposed to break the natural up down swing of your arm with do that? Also whats the appropriate term for the and