Talk about the tactics of scammers and how they use psychology to really lure people in.

Well, Tamar touched on, or she used the word crises, and I think that that is something we've seen, whether it's the more traditional types of scams that we think of where people are having their identity stolen or they're offering a business service to help And they're targeting people who are in desperate need of that relief, right? So they take advantage of the crises.

For example, the employment crises that surrounded COVID, right? People were desperately looking for jobs.

And the scammers really honed in on that and recognized they – people were desperate, right? They could present them with an opportunity that, as Tamara mentioned, almost looks too good to be true, right? Yeah.

It's no wonder we're seeing the amount of people that are falling for these because there's desperation out there.

Times of high unemployment, we see people being taken advantage of around natural disasters, right? So if you have an earthquake, you're going to prey upon the good nature of people to donate money, right? So that opportunity becomes an essential tool of the criminal community.

Authority is often used, right? So you'll see a lot of the ruses, right? The language in these text messages, these emails, these websites, right? They might claim authority because they're connected with the IRS and they can help you with debt relief.

brokering them.