I'm just going to add one, and it applies to SIM swapping scams and others.
Folks have probably seen in a lot of their applications the broader application of multifactor authentication. When you go to log in to a bank or something, it's not just your password that gets you in there; you have to do something else, whether it's a text message with a code or what have you, and the application of that is very impactful. It is a great measure to reduce a fraudster's or a cybercriminal's ability to either get into your system or scam you.
As we're seeing that being rolled out further across all types of industry, it is a having a positive effect on reducing things.