Shows a growth overall in the amount of fraud that has been detected and prevented. This shows the commitment we are making as an industry to better protect ourselves and our customers. The fraud landscape is interesting, and the analysis shows we are starting to swing back to First Party fraud being the most dominant threat. When we look at where fraud occurs, we see pretty much what you expect: urban centres light up. London, the East End, North and South continue to be the hot spot of the UK both for First, and Third Party fraud.