I'll start with your first example of the fraud, where it's usually some emergency type of scam. They say, “I need to come to your house and pick up money,” or something like that. It is absolutely happening. It often targets senior citizens.
There have been lots of great investigations into this. This is an area where prevention and awareness are absolutely key. We have found that when young people or family members talk to their seniors and say, “I am never going to call you out of the blue and say I'm in jail somewhere and I need $5,000,” and have that conversation, it is highly effective for them to understand and avoid that kind of scam. That's, again, an example of how that in-person, person-to-person engagement is important.
Your second question was about data leaks and what have you. Unfortunately, a lot of the fraud that is perpetrated is from data that's stolen and then mined for people's identities or for ways the fraudsters can use that to then change and launch fraud attacks against them. That goes to the second half of my overall responsibilities of dealing with cybercrime, in trying to go after the cybercriminals who are hacking into systems to steal that data and leverage it in other ways.
We use the same approach. We do prevention. We work with as many partners as we can, and we do disruption to go after the cybercrime ecosystem that is trying to steal that data.