Mr. Ryan Meade:

I am not sure that is the case. As we discussed, these are pretty determined networks of actors and organised criminals so they do try to find different ways. In all cases, if there is an advertisement or some other piece of online content such as a phishing email that goes through, it is one part of a very long chain that may ultimately result in somebody being defrauded. The fraudsters will make use of tools that are available, particularly any tools where they are not likely to be subject to enforcement action. That is why we spend a huge amount of investment in technology and humans to ensure that our tools are not seen as attractive to fraudsters to form part of a system they may put together to defraud people ultimately.