Thanks for the question.
Since the beginning of the pandemic, since we noticed that instances of fraud and attempted fraud were going up, a number of measures have been put in place. They have focused a great deal on identity proofing and strengthening. We have also uplifted some of our cyber-protection measures. For example, we've put in place a requirement for clients to authenticate with more than one factor to connect to our services. This is typical in the financial industry, and many would recognize it as the requirement for a message with a code to be sent to their cellphone so the code could be entered. This gives an extra measure of assurance that the people connecting are who they say they are.
We have also taken steps to simplify the means for clients to prove their identity to us through simplified measures, so that it is easier for them to establish themselves as legitimate clients so that we can recognize them when they connect. Further measures, as I said, will be put in place over a period of time.