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9 out of 10. I thought the Microsoft one at the top was fake.
I almost got the Citibank one wrong but I just couldn't get past the suspicious looking link.
Anyway, if you're really scared of being scammed, you could just go to the actual site once you've gotten the email and make sure everything's fine (for example, instead of clicking on the link to paypal in the email, type paypal.com into your browser). THat way you know you're at the right place.
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