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As Anya walked into the fertility clinic for an appointment to have her eggs retrieved, she was already starting to panic. The modern miracle of in vitro fertilization has scary moments for all women, but she had extra reason to be nervous.

A native of Kazakhstan, Anya was working in the US as a model and actress. (The name is a pseudonym.) Her billionaire boyfriend had swept her off her feet, promising her a family and a loving future in the States. The only catch, he told her, was that he wanted kids yesterday, so she’d need to begin the IVF process as soon as possible. Then, if fertilization was successful, a surrogate would carry the embryo to term. If Anya didn’t start IVF, he’d dump her and move on.

Her boyfriend attached several other conditions, too. He directed her to a clinic in Chicago and said to pose as an acquaintance of his, tell them he was paying her the standard-ish $10,000 for her donation and sign forms waiving her rights to the eggs...