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Hi there. It has been a nightmare for small business owners, especially with the big banks websites crashing applications not being submitted to their overwhelmed. But now this new warning. That annoyance may be the least of our problems. As one expert told me, this is like Christmas for criminals who have devised a new way toe, wipe you out and steal your identity. Some of the big banks are so overwhelmed right now, experts say they are unintentionally giving criminals a road map. The banks are sending this to small business owners across the country. This is a really mail from a real bank saying, Don't call us, we'll call you to complete the application and look what they tell you to have ready when they do, call your name, address, date of birth, Social security number. But they aren't giving you loan or reference numbers so literally anyone can call you posing as the bank, and you have no way to verify it. Many will fall for it because so many people are desperate right now. I just spoke with cyber security expert Jim Stickley about this people right now in a desperate state. So if anybody calls up and says I'm about to give you money. I need this information. They're gonna go. What are you making matters worse? What I have noticed is that the banks are also specifically saying many of them don't don't come into our branch. And don't call us. So you really have no way of knowing. There's really no way to confirm. Yeah, the website literally says, Do not call us. Don't come in instead, fill up this little online form and we're either gonna email you, you or we'll call you later. Which, if I'm a criminal, this is This is the greatest day of my life. Because now I could set up a robo caller. I don't do the work myself. I could have a robo call. Call every person on the planet that can possibly dial into with an automated system saying we're returning your loan application, fill out this information over the phone and people will think, Wow, it sounds very, really automated. And they'll give all their information over the phone. The criminal can sit back and play video games while it's happening. So what should we d'oh when they call me, which they haven't yet? But when they do, I'm gonna make them prove that there truly with the finance institution. So one of things I'm gonna ask them is how much money that I asked for in my loan because it's not confidential. It's not really private. If they can't even tell me that number, well, that we have a real serious problem. That's a great tip. Ask them how much you asked for. Yeah, I could also ask him what was the day in time that I submitted my application? We're hearing banks have started to issue loan numbers, but there are still millions of people out there without one. Maybe even you still waiting on that call or that email. So use the tips we just gave you if and when that caller email comes in saying they're the bank back to you