Thanks. It sounds like you are saying this is a theoretical concern. Yeah, that makes sense. We aren't seeing it yet in any major way. And just like with the recent fraud, we are always on alert and taking steps to fight all other types of fraud. People attempting fraud is expected and not a concern to us on its own.

Most people I talk to are simply disappointed in their earnings and then trying to figure out a reason why, for example because the money went to fraudsters or that we kept it for ourselves. But the vast majority of the change people experience is that we shifted the payments to other writing. I thought we were pretty blunt about this at Medium Day. But maybe not blunt enough.