Although most investigators and credit card fraud teams focus on minimizing cybercrime and identity theft activities launched through spam attacks, the California teams discovered a network of businesses that developed complex fulfillment systems to prevent chargebacks and to encourage repeat business.Under this model, a team of spammers could make more money over time selling many of the same goods to repeat customers than by simply selling credit card account details to fraud rings. Out of 56 completed transactions during the study, only seven of the team's orders failed to arrive.Though top rated credit cards already offer significant consumer protection, few customers feel compelled to file transaction disputes after packages arrive from fulfillment centers in India, China, and even the United States.Visa, MasterCard could team up to block spam fundingEfforts by the technical community to block consumers' access to potentially fraudulent websites have often been thwarted by a combination of hacker attacks and customer frustration. The researchers suggest that American credit card issuers could help curb the growth of spam-sending botnets by choking off the supply of cash to merchants on a "financial blacklist."The team suggested that a partnership between credit card platform providers like Visa and MasterCard could eliminate many spammers' financial incentives, just as a similar enforcement action closed off most Americans' access to illegal online gambling operationry housing will be made available for up to 18 months. Some people along the Gulf Coast still live in FEMA trailers nearly six years after Hurricane Katrina. Another FEMA spokesman, Bob Josephson, said the agency will consider bringing trailers to Joplin if enough existing housing isn't available. He said every effort will be made to find existing rental units closest to Joplin and that many residents may simply choose to find their own housing options. People who lived in the 8,000 structures smashed in the storm have scattered to the homes of friends and relatives or camped out in emergency shelters in the city. Some may leave town -- New Orleans lost nearly one-third of its population after Katrina. Penny Musgraves is happy -- and almost surprised -- to be alive. But for Musgraves, whose low-income townhouse was ripped away above her head as she protected her cowering 6-year-old daughter, the joy of surviving is beginning to give way to confusion and anxiety about the future. "I'm kind of scared," said the 45-year-old mother, who is unemployed and currently living with her daughter at the Red Cross shelter set up at Missouri Southern State University. "There isn't much low-income housing. I can't rent a place. I don't know what I'm going to do." While many of the survivors had insurance, it could be months, if not years, before they can rebuild. Removing the millions of tons of debris and remaking the city's destroyed infrastructure will likely take well into the summer if not longer. Rebuilding homes can't start until that work is finished. For low-income residents, the Housing Authority of Joplin provides some housing. But it was not known how many, if any, of the homeless it can accommodate. Recent history suggests many people won't be able to wait for the answers to emerge or for the rebuilding to be completed. The current population could drop substantially. New Orleans lost 29 percent of its population after Hurricane Katrina as residents left and settled elsewhere. Greensburg, Kan., which was leveled by a tornado in 2007, lost about half its population even though the town was rebuilt. It dropped from 1,574 before the tornado to 777 in 2010. At the Red Cross shelter, 150 people seemed grateful for the cot, warm food and donations of clothing. Many were trying to figure out where to go next. Ask 64-year-old William Whittenback where his home is, and he has a quick answer. "Plum off the map," the retiree said. Whittenback and his 67-year-old wife, Lorna, narrowly made it through the tornado. The roof of the home they've lived in for 15 years collapsed, leaving Lorna with a massive gash on her forehead and her cheeks black and blue. Every house in their neighborhood was a total loss. The coup