On the Minnesota fraud case: sure, it's clever if they executed it solo. But here's what really keeps you up at night—what if they didn't? Who walks them through all the paperwork? Someone's gotta coordinate this level of operation. You need people handling different angles, right? So the actual question becomes: is this organized, and more importantly, is there a money laundering angle underneath? Because fraud by itself is one thing. But when you start asking who benefits, who's moving the money, and whether it's connected to larger schemes—that's when you realize this might be bigger than just one bad actor trying to get rich quick.