Assume the following: A female perpetrator whose husband is diagnosed with a rare form of Leukemia. The family has no health insurance. Cancer treatments are very expensive. The family has taken the maximum amount of loans available to pay for treatment costs. Finally, giving up in despair, the wife concocts a scheme and embezzles from her employer. 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