Mr Speaker, Sir, scams are no longer a small problem in Singapore. They are the most prevalent type of crime in Singapore, and account for greater losses than all physical crime combined. The mid-year statistics released on 26 August show some hard-won progress but they also point to a stubborn reality. Losses fell to about $410.6 million in the first half of 2026, down some 18 per cent from the $500.2 million lost in the same period a year before, and the number of cases fell too. That is real progress, and it reflects the combined effort of the Government, the industry and the community. But in the same breath the police told us that around eight in 10 victims still handed their money over voluntarily, meaning they were manipulated, not hacked. Since 2019, Singaporeans have lost more than $4 billion to scams. So while the trend line is encouraging, no one in this House should mistake it for victory.