Talk about the debt settlement schemes that you see so much of in Philadelphia.

Sure.

So scams are a wide tent, right? And some of the scams that Rob is talking about have a lot in common actually with these schemes, although they look a little bit different.

So in these schemes, it's not necessarily that somebody is disguising their identity to get somebody's personal information.

It's actually companies that dress up as perfectly legitimate when in fact they are by design trying to strip families of their hard-earned income and assets.

So, for example, debt settlement schemes, these are schemes that we see often.

The promise that they share with consumers is that they will help consumers who are deep in debt, often because they've gone through life crises, medical crises, get out of debt quickly by making monthly payments to them, and that these companies will settle their debts for less money than they would otherwise pay.

So we all need to be part of this solution.