erin whitty, a real pleasure having you on the show., and if so, why? yeah, thanks, aaron, so definitely, there are more scams. i think that we really saw an increase in 2020 — of course, this was during a global pandemic. people were home, they were spending more time on social media, scanning the internet, and it really created a fertile ground for criminals to design and target schemes that were just designed to steal people's money and unfortunately, it was quite effective and so, we had this fertile ground that was created in 2020 and in the past year seen costs increasing tremendously for consumers all over the world due to things like inflation, housing prices rising, jobs are more competitive and consumers have really felt the pressure more recently to feel like they need to find more money. and this, again, combined with the criminals who are paying attention to these trends — they know what's going on — they are constantly morphing and changing their scams in ways that are more effectively going to steal your money. wow. anoth