Mr. Joseph Stephens:

What I mean is that, although this may appear to a consumer or any of us that this is a single issue, it affects all various agencies in the State. The collaboration and information sharing between us, which is quite good in practice, is the important thing. There is no simple solution. The technical solutions being worked on are very important, as is public awareness and making sure that everybody knows about these scams and understands how to differentiate between them. Legislation is important so that if somebody is not pulling their weight, there can be enforcement. These tools need to be used to combat it. That is what I mean in saying it does not respect boundaries.