Sure, no disagreement here.<p>I&#x27;m looking at it slightly from the other direction. Knowing PayPal&#x27;s history, and how hard fraud is to nail down on the web, I&#x27;m assuming that the 5% is actually much larger, and that the fraud department is overcautious.<p>If that&#x27;s not the case, then you&#x27;re right. But if I work in the loans department and I know that the fraud department tends to blow things out of proportion, because that&#x27;s what&#x27;s required to prevent fraud at PayPal scale, then I should expect a little overlap.<p>I guess overlap might not be expected at a &quot;perfect&quot; organization as I mentioned, but I can imagine how it might happen at PayPal