Im a true believer that you have a moral obligation to keep your employees honest, and that is why you have controls, so Im never tempted or put in a position where I could do something to defraud my employer.

If you believe you have a foolproof system, you've failed to take into consideration the creativity of fools.

What I did in my youth is hundreds of times easier today. Technology breeds crime.

Why do the Yankees always win? The other team can't stop looking at the pinstripes.

I always tell people what I did 50 years ago as a teenager is now 4,000 times easier to do today than when I did it. Technology breeds crime - it always has and it always will. There's always going to be people willing to use technology in a negative, self-serving way. So today it's much easier, whether it's forging checks or getting information. People go on Facebook and tell you what car they drive, their mother's name, where you are going on vacation, where you've been on vacation. There's nothing you can't research in a matter of a couple of minutes and find out about someone.

The front of a cheque alone gives someone enough information to steal your identity.

Criminals look at identity theft and say only 1 in 700 criminals gets convicted of it. And they look at check forgery and they know that for every 1,400 forgers arrested, only about 123 get convicted and about 26 go to jail. So the rewards are great, but the risks are very slim. So that's one of the reasons that make it very popular.