Mr. Justin Kelly:

To give a sense of what happens, the first thing is we always encourage people who have been victims of fraud to come forward. However, we know that fraud and economic crime is a heavily under-reported crime. I will give an example to illustrate that. From a recent operation that involved one particular financial institution here, we know there were 800 victims of an APP-type fraud in that. When we looked at our own records, we saw 100 people had reported it. That is an 800:100 ratio, which gives an indication of the under-reporting we know is going on.