Generally speaking, it was fraud. Sometimes you would get surprising situations. We did a quality assurance exercise in the past summer on Taiwanese applicants. Out of basically just over a hundred cases, we had one incidence of confirmed fraud where the person provided fraudulent bank statements. Then we had two other incidences where the documents provided were suspect, but we couldn't confirm categorically with the bank that they were fraudulent.
Generally speaking, it was fraud. In other instances it was adverse prior history—they had been to Canada before and had been naughty. Sometimes the reasons for travel as stated categorically did not make sense. That is very rare.