Thank you for the question.
My answer will be along the same lines as what Mr. Hines just said. As we also said, seniors are no longer the only victims. Young people are victims when it comes to investments. Those who don't fall in the categories of young people and seniors are victims of other types of scams. In fact, people most likely to be targeted by scams are those who, unfortunately, don't think of themselves as potential victims, and think others are. Scams occur thanks to the speed with which transactions and frauds are carried out in the daily life of citizens and client members. I think another witness said this, but, a momentary misstep can make you a victim of fraud.
Technology is increasingly present and, unfortunately, we can't put the genie back in the bottle. We're going to have to evolve.