I wanted to cover the questions about World-Check. Did you see any response from them as they started to lose business, or did the banks maintain more than one?

Yes, they did. Most banks now buy three or four sources of data, whereas eight to 10 years ago, they would have bought just one. The challenge is that their internal data and the data and technology they're buying from various vendors are in silos and not structured correctly. This makes it difficult to leverage across the bank to make better decisions. Fraudsters, scammers, and mule accounts take advantage of these gaps. There are solutions trying to make sense of unstructured data, which is where the biggest opportunity lies. Banks are spending more, but it's not necessarily helping. They all use World-Check, Factiva, and LexisNexis nowadays.