> But the problem is not nearly as widespread as generally believed...

Yes well we agree to disagree because I firmly believe, and my 35 years of experience following the issue closely prove to me at least, that not only is the problem widespread but is papered-over and much worse then will ever be reported.

There is a solid statistic that something like only 10% of crime is reported on and solved. I think this number matches nicely to the real damages, waste, and fraud caused by the issue.