I might just add that what we're also seeing with organized crime is that different crime groups who would compete in certain areas are actually collaborating. There could be some groups who are actually good at obtaining the identities. There are other groups of organized crime who are good at creating the plastics, and then there's another group who may actually go to the ATMs and pull out the cash, if that's the particular scheme they're after. There have been numerous cases where we're seeing that kind of collaboration, and they're treating it as a business. If only they put their means to legitimate ends, they could do some great things, but they don't. We're seeing this organizational collaboration globally.
On May 27th, 2014. See this statement in context.