 There's a lot more remote work. We're doing a lot more upfront digital-only transactions. And because of that, it's very confusing for people who are new to the workforce. That makes texts or WhatsApp messages from a scam employer about interviews, job offers, or onboarding seem real. Other scammers use fake jobs as a way to get people to send them money. It's at the very beginning when they say, you've got the job, congratulations.