We try to work with the check writer to help merchants get 100 percent of the money back.

It's a very stressful situation for small-business owners, and we get letters on a regular basis thanking us and saying that if we had not gotten the money back, they would have gone out of business.

It's amazing how prevalent check fraud really is. By the time it comes here ... the merchants are pretty fed up.

We're very happy that the first step has been taken. We have a lot more work to do before we can bring this project to fruition.

We have a window of opportunity to make this work in the state. I do not believe we can continue to negotiate exclusively with the county.

Who in their right mind is going to give us money for research if there's a risk it would go back to Palm Beach County?