ruin - damage, spoil, make someone lose all their money⏎
unexpired - valid, remaining, still in force⏎
swindle - cheat, deceive, act fraudulently⏎
tier - level, layer, series⏎
split - divide, apportion, share (something)⏎
shopper - buyer, purchaser⏎
savvy - knowledge, understanding⏎
verbal - spoken, unwritten⏎
virtual - almost, nearly, not completely, electronic, digital, web-based⏎