The key word here is “fee”. Of course the other key words are “advance” and “fraud”. Basically, it’s a fraud that tells you that you need to pay a fee in advance. Makes perfect sense, right? Need a loan? Pay us the processing fees first, then you can have it. Found true love? Cough up the fees for her to travel with you, then she’ll do it. Won a lottery you didn’t enter? Give us the admin fees before we can release it to you. Someone offering you a share in Saddam’s millions? We need a fee to help grease some palms first. Simple isn’t it?