(Solution) - Helen was a very forgetful person so she had placed -(2025 Original AI-Free Solution)

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Helen was a very forgetful person, so she had placed her bank code (PIN number) on the back of her debit card. A thief stole Helen?s card and was able to take $100 from an ATM on the day of the theft. That same day, Helen realized that the card was gone and phoned her bank. The following morning, the thief withdrew another $100. For how much, if anything, is Helen responsible? Why?