 That's why they use those. You can be anywhere in the world and get those two forms of payment. The scammer doesn't have to use, say, a money mule or another victim. They can just obtain the funds right away. And they do. It's a trillion-dollar industry. The family emergency scams is one of those, and we are seeing a lot of them. And these in particular, the family emergency scams, are becoming more because of AI. Well, how does that play a role in this?