[Dave Birch] I’ve got a very simple, and absolutely foolproof, plan to reduce payment card fraud (much in the news recentlyk) to zero. It’s based on the observation that there are two ways to cut crime: cut the number of crimes or cut the number of offences. The latter means that society’s focus is to concentrate on policing: to try and both prevent crimes from occurring and to improve the detection rate should crimes still occur. The former means society’s focus is to reduce the number of types of crime. Maybe the latter deserves to be explored further in the context of credit card fraud.