I totally agree with everything that was just said. I realize it's dangerous here because we're getting technical and so on. All three of us did an excellent job of explaining that for a non-technical person.
I think the message you're hearing from all three of us today is that there's no one solution. Even if we had STIR/SHAKEN and every phone was capable of doing it and we all had the technology, all STIR/SHAKEN does is tell you that the number that's calling has been authenticated as truly the number that's calling. That's all it does. That doesn't necessarily mean that a fraudster can't be calling, that you pick up the phone and can't start doing fraud.
That's why we have to look at more than one solution. In our case we're saying that the quickest one is.... We know we have 120 million fraudulent calls a month. We could block them today as soon as we get permission—