Thank you, Madam Chair.
I'd like to thank the witnesses for being here today and contributing to our study.
It's tough to ask pointed questions with this panel. I know that you're all in competition with one another.
I would ask you to keep your answers brief.
About how much would you say all the measures you need to put in place cost?
Does the war on fraud affect your service providers? Will the cost ultimately be passed down to customers?
What can you do to help small providers, who have more trouble offering these services for financial reasons?