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quanhi dan i'd assume it's paper loss since i've never held the card. the clarify the package was received and signed for by me personally. however i did not realize the package was tampered with and there was a slice cut on the bottom of the envelope. when i opened up the package only a piece of cardboard was in there. this is all assumption but i think someone sliced open the package neatly, took out the card and left the piece of cardboard in there.