Dan, you likely are right, but that makes it all the more offensive to come on here and make a pious high-profile display of allegedly trying to stop fraud.
And Frank, this is a serious thread son. Get thee back to the watercooler.
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My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
He is available to do custom drawings in graphite, charcoal and other media. He also sells some of his works as note cards/greeting cards on Etsy under JamesSpaethArt.