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3a and Supplemental Fig

Fraud detection measures, especially for new or unfamiliar transactions, can also extend the processing time, as banks may need to conduct further investigations to confirm the transactions legitimacy

The communities include Amherst, Brookline, Belchertown, Chelsea, Concord, Conway, Dover, Easthampton, Hardwick, Hopkinton, Leverett, Malden, Manchester-by-the-Sea, Medfield, Melrose, Needham, Newton, Northampton, Pelham, Reading, Rockport, Somerville, Stoneham, South Hadley, Wakefield, and Winchester

So quiet that even when it is working at its peak performance, you might even forget that its there