Thank you so much. I do appreciate that.
When the associate deputy minister was speaking, or one of the officials, there was an explanation of the system and the way in which fraud is being committed. It sounded like it wasn't specifically based on the manipulation of the technology within the system, or the system being hacked. It was more about identity theft and folks who are committing this fraud getting their hands on someone's identity, putting in an application on their behalf, and redirecting the funds back to another bank account.
Is that correct, and if so, can you explain how this process works so committee members know that this is not the fault of a breach within the government system, but rather external forces manipulating personal data?