Where are you from? How did you end up in South Carolina? And how the heck did you end up being the chief securities examiner for the state of South Carolina?

Well, basically, back in the mid-90s, I came from Chicago.

I was working at a major bank up there in the credit card department.

I ran credit several units up there in a managerial role, and got married.

And my wife's family was also from Chicago.

They lived about two blocks from us.

Their family moved down here about 10 years before we did.

But what were some key indicators or trends around fraudulent cases within the state that people need to be aware of as they're thinking about giving somebody their hard-earned money?