It's rampant, Ruby. You name a lot of things. Cheating the government hurts us all. We will get a COL raise from SS. Next year, mine is already gone because my monthly payment where I live went up by $100 a month. My son says we are in a recession. We have yet to get to the rock bottom of it. It's scary. He also says you are either upper or lower class. There is no middle class anymore. UGH...I know what class I'm in. He reads a lot!