 So I think that's the thing. The thing about AI is it's like they can replicate other people's voices and you wouldn't even know. And then they also just can have so much information about you and make things seem more personalized and realistically human, even if it's not. We're speaking with Dalvin Brown, personal finance reporter at The Wall Street Journal. The story is called AI is helping scammers outsmart you and your bank on the bank front here. What are banks doing to defend themselves and us as customers?