Niamh Davenport

They're really important for the economy.

But what we'd say is we're just trying to stop any fraud around them as well and get that awareness out there.

Complete red flag.

There's not limited places.

Like you said, they're not even open yet.

So anybody putting pressure on you in any type of scam...

or sorry, any type of situation, take your time.

There's nothing that's going to be that urgent.

Take your time, pause, seek advice and just back away.

Look, financial education is really important for younger people and as they continue to get older.

But the ones that are being targeted, as you said, it's the 50s age group.

It's people with money that the fraudsters are targeting.

The reason fraudsters are targeting kind of that age group is because they have money.

They're looking to make money on this.

They're using this money to fund organised crime.

This is a very serious issue.

It's not somebody trying to just make a quick buck and fund their own lifestyle.

This is organised crime.

It's funding human trafficking, drug trafficking.

So they're looking in there and that's why it takes so long.