If in fact Joey is "borrowing" money from people under the false pretenses of selling them a nonexistent card that is pretty close to scamming them in my book.
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My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
He is available to do custom drawings in graphite, charcoal and other media. He also sells some of his works as note cards/greeting cards on Etsy under JamesSpaethArt.
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