BY JAMEY TUCKER, Consumer Technology Reporter

October is Cyber Security Awareness Month, a time the Department of Homeland Security warns Americans about the most dangerous scams threatening your money, privacy, and peace of mind.

This year, one scam stands out as the most terrifying of them all.

It begins with a phone call in the middle of the night. A loved one is crying for help. But it’s not real, it’s artificial intelligence.

It’s easy to see why so many people are victimized by this scam:

#1: it often comes in the middle of the night.

#2: it sounds just exactly like someone you love, and

#3: in that half-awake panic, it feels absolutely real.

Using AI tools anyone can find online, scammers clone the voices of family members or friend. With just a few seconds of audio, somethi

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