Can you provide some examples of such fraud?

Sure, but first let me say, all of this fraudulent purchasing and return stuff is being done by a fraction of a percent of people, so I really want to be clear, we love our customers and 99.8% of them are amazing to work with on all levels. We even enjoy working with the disappointed ones as it’s such an opportunity to learn or improve the product. The problem here though is that the bad actors hit with a profound asymmetry in both volume of issues and dollars in play. So that 0.2% of people are causing 100% of the fraud which can be as high as 25-30% of total returns depending on the sales channel.