I would say a bit of both, but definitely a rise in the level of occurrences. Especially with the increase in technology, committing a lot of fraudulent activity today is so easy, and it's very lucrative. When we talk about the mass marketing frauds, for example, what before would take a large group to do a large telemarketing type of fraud, now one individual can do sitting in front of one computer and hitting hundreds of thousands of potential victims in a short period of time.
On December 7th, 2009. See this statement in context.