I thank the Minister of State for her detailed answer. I acknowledge the progress that has been made and our position in second place, but as she said herself, we need to avoid complacency. The Central Bank reported last year that €160 million worth of fraudulent payments were made in Ireland in 2024 alone. That is a 24.5% increase on the previous year, while the volume of fraud increases by 40%. That message is replicated by what I hear from gardaí all across the country as well. In my own county of Roscommon, a c…