Totally worthless and blatantly illegal. You Don't Repay, Etc. What The IRS Knows About You. Of course they're not the only ones. More numerous than dandelions in a lawn, they can have a lot of twists and turns.
New ones appear constantly.
A new wrinkle that is supposed to control cheating. Besides, some people were finally getting smart enough to learn regular chain letters don't work. Monitored programs are just as phony as the rest. It's time to play junior detective. Not every chain letter will have all the following characteristics.