 How have scams changed over the last 25 years? So they've gotten much more sophisticated. When I do presentations, I show people a picture of me from 20 years ago at a huge presentation I did in California with 400 people. And I love showing the picture because I had no gray hair. And I was a 30-something-year-old telling stories, and all I talked about was Nigerian email scams and ID theft. Are those two things around? Yes.