text:  Hi, folks. I'm Eric Bain with Reason Magazine, and you're listening to American Radio Journal. This week, I'm taking you through a new report from the IRS that details the, frankly, astonishing levels of fraud within the employee retention tax credit program. That was a program created by Congress as part of the CARES Act that was intended to give businesses tax breaks if they kept employees on the payroll during the COVID lockdowns.