CAVEAT EMPTOR. I doubt very much if any of these schemes or emails are genuine! I doubt very much if any of the requests concerning a bank account, or lottery winnings, or business opportunities is genuine. See this Web site for other examples of emails I strong suspect might be SPAM. If it looks too good to be true, it probably is. But you never know I suppose. See also http://darkwing.uoregon.edu/~gilkey/humor.html for other related materials.