Pretexting is defined asimpersonating someone else or making false/misleading statements to obtain information. Many jurisdictions specifically prohibitpretexting against financial institutions, which includes pretending to be a customer to access their bank account information.

TheFraud Examiners Manualwarns against phrasing admissions as direct questions using emotive terms:
* "The admission-seeking interview begins with a direct accusation... The accusation should be phrased as though the accused's guilt has already been established. Emotive words such as steal, fraud, and crime should be avoided... Wrong: 'Did you do this?'".
Thus, phrasing the question as"Did you steal the money?"is least effective.

"The locations of the subject's residences and businesses (e.g., through analysing the payments of utility bills)
... The cities and countries in which the subject conducts business (e.g., through analysing the payments for carrier services to deliver packages)"#6:2014 International Fraud Examiners Manual.pdf L57-L77#.
They donotdirectly prove skimming or show market values of real estate.

Nonverbal deception cues include feigned unconcern, slouching, chewing objects, and manipulating clothing.
Michelle's conduct (chewing pen cap, picking at fabric, appearing unconcerned) matches these signs ofdeception.

When a respondent says "I'm too busy," it can be diffused by stressing "the interview will be short, the interviewer is already there, the project is important, [and] the interview will not be difficult".
Thus, stressing brevity is the recommended reaction.