 I'm Professor David Maimon, Director of the Evidence-Based Cybersecurity Research Group in Georgia State University. So part of what I do with my group is try to understand the online fraud ecosystem. My group and I, we spend a lot of time on underground markets in which criminals sell all kind of illicit commodities. So we see a lot of counterfeit products. We see a lot of identities. And in mid-2021, we started to see a lot of checks flooding the markets. So this is how things look like when a criminal is depositing a check using the mobile app. And we started to see more and more of these screenshots that the criminals posted. At the same time, many ATM deposit slips, like the one you're seeing right here, we realize that folks are using multiple accounts simultaneously to deposit the high volume of checks they were simply purchasing from the markets and depositing on different accounts. So this is a good example for several checks, three checks being deposited on three different bank accounts by one single criminal. This is another image with a bank deposit using a mobile app. See the bank brand right here, deposit amount, sort of all the important feature in the mobile app that allows you to deposit the check. And then the last thing that sort of sparked our imagination with respect to where these guys are getting access to all those accounts are images like the images you see here, numerous debit cards, which they displayed in images using those debit cards to deposit all the checks they had access to, either they stole or purchased, actors who simply started posting screenshots from bank accounts with balances showing zero. And then when we started to investigate, we realized that this guy, this vendor is actually selling those bank accounts with zero balances on them. We also witnessed many cards like the one you're seeing right here on the screen. So what we started to do in June was to track the number of images with cards on them, like the plastic cards in them, as well as the images with screenshots with bank accounts showing zero balance on them in a systematic manner for one specific vendor. So we've done that for a period of six months. We're seeing this increasing trend from one single actor. And of course, being out there in the ecosystem, we're able to see more and more copycats, right, more and more folks like the individual where we're monitoring offering their services. Now this is interesting, right, because unlike credit cards that you're opening under someone's name, if the credit line is frozen, you won't be able to do that. With bank accounts, it's a different story, right, because the credit freeze does not impact your ability to establish a new bank account on behalf of someone else's name. The best thing in my mind you can do at this point is just make sure you freeze your credit, make sure you purchase some kind of an identity theft protection plan, which will alert you every time someone is using your identity. And simply monitor your bank account on a daily basis, monitor your credit card. I think the major big thing right now is trying to understand how all those identities are actually being used in the context of money laundering and more specifically sports betting. This is a serious problem that is largely being ignored. It's our hope that exposing the magnitude of this will help spur action, because far too many people are losing far too much money to this type of crime.