One of the key examples would be credit card and debit card skimming. Some people will look at debit and credit card as covering identity theft in that case. A lot of the banks don't look at that. We look more at things when credentials are stolen, or it could be paperwork, or it could be credit bureau data, and an application is made to a bank in the name of another party. That would be identity theft. But the big problems we have are really the grey areas.
In my opening remarks, I wanted to present the whole of financial crime, then we would split out, to the best of our ability, what we agree on for identity theft, and then show the grey areas, so the committee could look at it and make their own opinions.