mr. lee hammond, how often are the elder abuse financial crimes not reported? >> mr. chairman, i think probably more are not reported than are reported, for a number of reasons. it is an embarrassment to the elderly to feel that they have then scanned. they did not want to admit that. they are concerned, as was mentioned before, that they might be found in capable of making their own decisions -- incapable of making their own decisions. we have found in many cases that the efforts that we have made to educate our members has been effective, and that they are actually using some of the methods that we have been working with over the years in teaching them how to recognize fraud and abuse, both telephonic, and not through the internet, but it is -- and now through the internet, but it is increasingly difficult, especially through the internet. our members are becoming more and more users of the internet. exponentially, they are increasing over the last two or three years. they're getting into an area where they do not have much expertise, and they're very vulnerable to