From my perspective, I see people investing large amounts of money to try to keep up. Our view, to really get the most out of that significant investment, is to have cross-sector data sharing. To use scams as an example, they will occur entirely outside of the network that we operate. We don't know where it started. We don't know the details around how it started. Our ability to react is limited.
If I may, I have one more detail that I think might be useful to the committee. With scams, often it's not the initial sending that you will catch. It's my account. It's when you see payments collecting at the other side that you begin to see a problem. Feedback loops that give you a greater insight to that other side of the network are the things that really would stop us pushing the money out in the first place.