Oh wait, we are trying to reduce fraud to 9.5%. WTF, reduce it to zero. Lets see, pay $1 billion to new processors and if they don't reduce fraud by $5 or 6 billion, fire them. If they do reduce fraud, hire more processors.
If we now suspect fraud, go after the cheats and deport them. Why do I say deport them, the people committing fraud are not named Joe Smith.
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