    Sentence 1: According to the survey  » fast years identity theft losses to  businesses and financial institutions  totaled nearly $ 48 ‘billion: and  Consumer victims reported $ 5 billion  in out-of-pocket expenses .    Sentence 2 identify theft » cost  businesses and financial institutions  nearly. $ 48 billion. and. consumer  victims reported $ 5 billion: in‘out-of-    pocket expenses last year , according  to the FTC .