We made every possible effort. We determined that there was an increase in fraud because there were greater incentives to defraud. We implemented a number of fraud detection measures.
There are different types of fraud. Some are more serious than others. We froze a number of accounts in instances for which we suspected there had been fraud. We therefore had the will to do something about it.
It is nevertheless true that the number of instances of fraud increased during this period.
Perhaps Mr.…