"You are 33 years old. You have one conviction for stealing in 2002. I accept it was probably a relatively minor matter because it was dealt with by way of a fine. Your upbringing was unstable in the extreme. You lived in the streets for most of your teenage years and became involved in drinking alcohol and drug taking. You have been diagnosed with depression and bi-polar disorder. You are socially isolated and spend long periods at home alone and accessing the Internet. You have no family support being largely estranged from parents and siblings. You are in receipt of a disability pension. You have incurred debts and have difficulty managing money. It is doubtful that you will ever repay the money stolen by your use of the card."
Evidently she spends a lot of time on the Internet, so she is not clueless in that sense, but from this description she doesn't sound very educated either.
"You are 33 years old. You have one conviction for stealing in 2002. I accept it was probably a relatively minor matter because it was dealt with by way of a fine. Your upbringing was unstable in the extreme. You lived in the streets for most of your teenage years and became involved in drinking alcohol and drug taking. You have been diagnosed with depression and bi-polar disorder. You are socially isolated and spend long periods at home alone and accessing the Internet. You have no family support being largely estranged from parents and siblings. You are in receipt of a disability pension. You have incurred debts and have difficulty managing money. It is doubtful that you will ever repay the money stolen by your use of the card."
Evidently she spends a lot of time on the Internet, so she is not clueless in that sense, but from this description she doesn't sound very educated either.