Assume the following: A male perpetrator studies the new national health-care bill adopted by Congress and signed by the President. Assume that the male perpetrator, in accordance with health-care bill provisions, sets up a claims processing company. While he processes some legitimate claims for patient reimbursement, he uses the bona fide claims as templates to create fictitious claims. He collects the claim reimbursement checks for the fake claims and cashes them in a bank account in Aruba. What best describes this type of perpetrator?
1. A situational (accidental) fraudster 

2. A garden variety criminal 

3. A predator fraudster 

4. A victim of fraud