Sentence 1: Tom got an alert from his bank. 
 Sentence 3: Tom hadn't made any recent purchases 
 Sentence 4:  He realized someone was using his information to buy things online 
 Sentence 5:  Tom had the account shut down and was reimbursed 
 Option 1: He was close to having no money. 
 Option 2: He was close to having a million dollars.