No one knows exactly how much fraud costs New Zealand each year, but it runs into the billions. Yet significantly fewer people are being convicted than two decades ago. Why? And is the system - an alphabet soup of agencies with a range of responsibilities - fit for purpose? In a specially extended investigation, victims share stories of devastating loss, a leading investigator explains why he thinks too few people are getting justice, and the Minister charged with scam-busting acknowledges the need for better coordination - and promises a plan.