Thank you, Mr. Chair.
Good morning. Right at the beginning of your presentation, you told us how difficult it is to keep track of this situation. As I listen to you, I gather that several types of fraud happen over the Internet. Fraudulent activity also takes place over the telephone. I have heard of it at home, where I live. People are being defrauded in every way imaginable. In some cases, they are asked for information by people posing as representatives of their credit card institution. Copying credit or debit cards seems to be a third way to steal identities. Are there others?