Fraud is an area severely under-appreciated and crucially under-funded. I think folks probably thought the banks/paypal solved the fraud problem but in reality as we know, it's pretty rampant everywhere. I think there's space for a few enormous anti-fraud companies on the scale of Symantec for example in different areas of security. It's an area I think that hasn't seen innovation in terms of the business model since McAfee and anti-virus first appeared.