It was very interesting reading about both of your close experiences with fraud. I can almost feel bad for the fraudsters when you read about the fraud triangle and how they usually always have some sort of justification and usually have intentions of paying it back. But, you look at a case of $100,000 being stolen in a matter of 6 months and it just seems crazy. That is double what most people make in a year. It would be hard to imagine that person ever had intentions of paying that money back.