I won't dwell on the sophistication point so much, because my guess is that the committee has heard a lot about that. What I would really emphasize is the velocity, which means not only the speed but also the volume of suspicious activity that hits both individual institutions and networks. What that means is that the likelihood that you'll catch somebody....
A busy parent opening the front door sees a link and clicks it without taking the extra 30 seconds. A grandmother who's worried sends money to a grandchild. It simply statistically increases the likelihood that these things are happening. That really is the other element that we don't focus on enough, in my opinion. I don't mean to underplay the sophistication element, because it's real, but that's the element we don't focus on quite enough.