i'm sure visa and -- ed: they have had a great positive influence and cybersource they have implementeden about by visa so a lot of the things we traditionally look to the government to solve our solve privately because people have money at stake. john: the private sector adapts. when people file claims and insurers don't want to pay for fraud so private insurers often hire investigators. this one came on my show to explain how his detect its videotape people they suspected filed phony claims for disability. >> are claimants are in the water swimming talking conversing and decide to climb to the top of this ledge alleges you can see here and jumps off with no signs of disability whatsoever. john: social security medicare. ed: there are so many examples of fraudulent claims and fraudulent disability. these things have skyrocketed over the past few years and even the government knows this fraud. a billion dollars in a recent report. they don't have the same profit and loss incentives because they don't really care. they're going to charge it off to the taxpayers. john: thank you ed string