The concept of money laundering regulations goes back to ancient times and is intertwined with the development of money and banking. Money laundering is first seen with individuals hiding wealth from the government to avoid taxation or confiscation or a combination of both. Nowadays it has evolved into a complex and highly technical process of transforming profits from illegal activities into ＿＿（16）＿＿ "legitimate" assets without raising the suspicion of law enforcement agencies. After money has been suitably laundered or "cleaned," it can be used in the mainstream economy for accumulation of wealth, such as acquisitions of properties, or otherwise spent. Many governments around the world have become increasingly ＿＿（17）＿＿ in their efforts to combat money laundering by passing anti-money-laundering regulations. These regulations require financial institutions to have systems in place to detect and report suspected money-laundering activities. Accordingly, law enforcement agencies of many jurisdictions have set up sophisticated systems in an effort to detect suspicious transactions or activities, and many have set up international cooperative arrangements to assist each other in these ＿＿（18）＿＿ . However, the use of the Internet allows money launderers to easily ＿＿（19）＿＿ detection. The rise of online banking institutions, anonymous online payment services, peer-to-peer transfers using mobile phones, and the use of virtual currencies such as Bitcoin have made detecting the illegal transfer of money even more difficult. Money can also be laundered through online auctions and sales, gambling websites, and even virtual gaming sites, where ill-gotten money is converted into gaming currency, then transferred back into real, usable, and ＿＿（20）＿＿ "clean" money. As money launderers attempt to keep one step ahead of law enforcement, international organizations and governments are continuing their team effort to find new ways to detect them.