diff --git a/lib/Experian/IDAuth.pm b/lib/Experian/IDAuth.pm
index 3a51812..42426e1 100644
--- a/lib/Experian/IDAuth.pm
+++ b/lib/Experian/IDAuth.pm
@@ -2,7 +2,7 @@ package Experian::IDAuth;
 use strict;
 use warnings;
 
-our $VERSION = '1.8';
+our $VERSION = '2.0.0';
 
 use Locale::Country;
 use Path::Tiny;
@@ -358,7 +358,7 @@ sub _get_result_proveid {
 
     return unless $credit_reference and $kyc_summary;
 
-    my $decision = {};
+    my $decision = { matches => []};
 
     # check if client has died or fraud
     my $cr_deceased = $credit_reference->findvalue('DeceasedMatch') || 0;
@@ -376,13 +376,11 @@ sub _get_result_proveid {
         or $cr_deceased == 1 )
     {
         $decision->{deceased} = 1;
-        return $decision;
     }
 
     $report_summary{Fraud} ||= 0;
     if ( $report_summary{Fraud} == 1 ) {
         $decision->{fraud} = 1;
-        return $decision;
     }
 
     # check if client is age verified
@@ -392,12 +390,14 @@ sub _get_result_proveid {
     if ( $kyc_dob or $cr_total ) {
         $decision->{age_verified} = 1;
     }
-    else {
-        return $decision;
-    }
 
     # check if client is in any suspicious list
-    # we don't care about: NoOfCCJ, COAMatch
+    # we don't care about: COAMatch
+    #
+    # Add NoOfCCJ separately since we don't fail that one.
+
+    $decision->{CCJ} = 1 if $credit_reference->findvalue('NoOfCCJ');
+    
     my @matches =
       map  { $_->[0] }
       grep { $_->[1] > 0 }
@@ -405,20 +405,19 @@ sub _get_result_proveid {
       qw(BOEMatch PEPMatch OFACMatch CIFASMatch);
 
     if (@matches) {
-        if ( grep { /^(BOEMatch|PEPMatch|OFACMatch|CIFASMatch)$/ } @matches ) {
+        my @hard_fails = grep { my $f = $_; 
+                                grep { "${f}Match" eq $_ } @matches } 
+                         qw(BOE PEP OFAC CIFAS);
+        $decision->{$_} = 1 for @hard_fails;
+        $decision->{deny} = 1 if @hard_fails;
 
-            # BOEMatch PEPMatch OFAC and CIFAS are hard failures and need manual verification
-            delete $decision->{age_verified};
-            $decision->{deny} = 1;
-        }
         $decision->{matches} = \@matches;
-        return $decision;
     }
 
     # if client is in Directors list, we should not fully authenticate him
     if ( $report_summary{Directors} ) {
-        $decision->{matches} = ['Directors'];
-        return $decision;
+        $decision->{director} = 1;
+        $decision->{matches} = [ @{$decision->{matches}}, 'Directors' ];
     }
 
     # check if client can be fully authenticated
@@ -587,7 +586,7 @@ Experian::IDAuth - Experian's ID Authenticate service
 
 =head1 VERSION
 
-Version 1.8
+Version 2.0.0
 
 =head1 DESCRIPTION
 
@@ -641,15 +640,20 @@ Then use this module.
         die;
     }
 
-    if ($prove_id_result->{fully_authenticated}) {
-        # client successfully authenticated
-    }
     if ($prove_id_result->{age_verified}) {
         # client's age is verified
     }
     if ($prove_id_result->{deceased} || $prove_id_result->{fraud}) {
         # client flagged as deceased or fraud
     }
+    if ($prove_id_result->{deny}) {
+        # client on any of PEP, OFAC, or BOE list
+        # you can check $prove_id_result->{PEP} etc if you want more detail
+    }
+    if ($prove_id_result->{fully_authenticated}) {
+        # client successfully authenticated, 
+        # DOES NOT MEAN NO CONCERNS
+    }
 
     # CheckID is a more simpler version and can be used if ProveID_KYC fails
     my $check_id = My::Experian->new(
@@ -665,6 +669,26 @@ Then use this module.
         # client successfully authenticated
     }
 
+=head1 CHANGES FROM 1.X
+
+The 2.x series of this module provides some significant changes from 1.x. 
+
+With 1.x, fully_authenticated could only suggest that there were no concerns
+and that the client was fully authenticated.  Now, we set this in addition to
+any failure fields.  For this reason it is important to handle failures
+first and then check this response attribute.  Note that the response attribute
+also now shows the full list (not the first) set of possible concerns.
+
+Therefore:
+
+=over
+
+=item One cannot assume that fully_authenticated means "success" and
+
+=item Reasons for failure are no longer exclusive.
+
+=back
+
 =head1 AUTHOR
 
 binary.com, C<perl at binary.com>
diff --git a/t/decision.t b/t/decision.t
index d66cf4a..0906a5c 100644
--- a/t/decision.t
+++ b/t/decision.t
@@ -1485,34 +1485,44 @@ my $fraud =<<EOD;
 </Search>
 EOD
 
-eq_or_diff(
-    examine($fully1),
-    {
-        age_verified        => 1,
-        fully_authenticated => 1,
-    },
-    "Fully1 fully authenticated"
-);
-eq_or_diff(
-    examine($fully2),
-    {
-        age_verified        => 1,
-        fully_authenticated => 1,
-    },
-    "Fully2 fully authenticated"
-);
-eq_or_diff(examine($not_authenticated), {}, "Not authenticated as expected");
-eq_or_diff(
-    examine($not_deceased),
-    {
-        age_verified        => 1,
-        fully_authenticated => 1,
-    },
-    "Deceased with low certainty level was fully authenticated"
-);
-eq_or_diff(examine($deceased),    {deceased => 1}, "Found deceased in report summary");
-eq_or_diff(examine($cr_deceased), {deceased => 1}, "Found deceased in credit reference");
-eq_or_diff(examine($fraud),       {fraud    => 1}, "Found fraud in report summary");
+my $result = examine($fully1);
+is($result->{age_verified}, 1, "Fully 1, age verified");
+is($result->{fully_authenticated}, 1, 'Fully 1, Fully authenticated');
+ok(not(exists $result->{deny}), 'Fully 1, not denied');
+
+$result = examine($fully2);
+is($result->{age_verified}, 1, "Fully 2, age verified");
+is($result->{fully_authenticated}, 1, 'Fully 2, Fully authenticated');
+ok(not(exists $result->{deny}), 'Fully 2, not denied');
+
+$result = examine($not_authenticated);
+ok(not(exists $result->{deny}), 'not authenticated, not denied');
+ok(not(exists $result->{age_verified}), 'not authenticated, not age verified');
+ok(not(exists $result->{fully_authenticated}), 'not authenticated');
+
+$result = examine($not_deceased),
+is($result->{age_verified}, 1, "Not deceased, age verified");
+is($result->{fully_authenticated}, 1, 'Not deceased, Fully authenticated');
+ok(not(exists $result->{deceased}), 'Not deceased, not deceased');
+ok(not(exists $result->{deny}), 'Not deceased, not denied');
+
+$result = examine($deceased);
+is($result->{age_verified}, 1, "deceased, age verified");
+is($result->{fully_authenticated}, 1, 'deceased, Fully authenticated');
+is($result->{deceased}, 1, 'deceased, deceased');
+ok(not(exists $result->{deny}), 'deceased, not denied');
+
+$result = examine($cr_deceased);
+is($result->{age_verified}, 1, "cr deceased, age verified");
+is($result->{fully_authenticated}, 1, 'cr deceased, Fully authenticated');
+is($result->{deceased}, 1, 'cr deceased, deceased');
+ok(not(exists $result->{deny}), 'cr deceased, not denied');
+
+$result = examine($fraud);
+is($result->{age_verified}, 1, "fraud, age verified");
+is($result->{fully_authenticated}, 1, 'fraud, Fully authenticated');
+is($result->{fraud}, 1, 'fraud, fraud');
+ok(not(exists $result->{deny}), 'fraud, not denied');
 
 # this one has 2 in KYCSummary, so should be fully authenticated
 my $age_only_1 =<<EOD;
@@ -2364,88 +2374,72 @@ my $age_only_10 =<<EOD;
 </Search>
 EOD
 
-eq_or_diff(
-    examine($age_only_1),
-    {
-        age_verified        => 1,
-        fully_authenticated => 1,
-    },
-    "Two in KYC Summary so fully authenticated"
-);
+$result = examine($age_only_1),
+is($result->{age_verified}, 1, "Age only 1, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 1, Fully authenticated');
+ok(not(exists $result->{deceased}), 'Age only 1, not deceased');
+ok(not(exists $result->{deny}), 'Age only 1, not denied');
 
-eq_or_diff(
-    examine($age_only_2),
-    {
-        deny => 1,
-        matches      => ['PEPMatch'],
-    },
-    "    if PEP is set, then fail verification"
-);
+$result = examine($age_only_2),
+is($result->{age_verified}, 1, "Age only 2, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 2, Fully authenticated');
+ok(not(exists $result->{deceased}), 'Age only 2, not deceased');
+is($result->{deny}, 1, 'Age only 2, denied');
+is($result->{PEP}, 1, 'Age only 2, PEP flagged');
 
-eq_or_diff(
-    examine($age_only_3),
-    {
-        deny => 1,
-        matches      => ['BOEMatch'],
-    },
-    "    if BOEMatch is set, then fail verification"
-);
+$result = examine($age_only_3),
+is($result->{age_verified}, 1, "Age only 3, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 3, Fully authenticated');
+ok(not(exists $result->{deceased}), 'Age only 3, not deceased');
+is($result->{deny}, 1, 'Age only 3, denied');
+is($result->{BOE}, 1, 'Age only 3, BOE flagged');
 
-eq_or_diff(
-    examine($age_only_4),
-    {
-        deny    => 1,
-        matches => ['OFACMatch'],
-    },
-    "    if OFACMatch is set, then fail verification"
-);
+$result = examine($age_only_4),
+is($result->{age_verified}, 1, "Age only 4, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 4, Fully authenticated');
+ok(not(exists $result->{deceased}), 'Age only 4, not deceased');
+is($result->{deny}, 1, 'Age only 4, denied');
+is($result->{OFAC}, 1, 'Age only 4, OFAC flagged');
 
-eq_or_diff(
-    examine($age_only_5),
-    {
-        age_verified        => 1,
-        fully_authenticated => 1,
-    },
-    "    ignore COAMatch if set, fully authenticate if possible"
-);
+#Change of address handling
+$result = examine($age_only_5),
+is($result->{age_verified}, 1, "Age only 5, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 5, Fully authenticated');
+ok(not(exists $result->{deceased}), 'Age only 5, not deceased');
+ok(not(exists $result->{deny}), 'Age only 5, not denied');
 
-eq_or_diff(
-    examine($age_only_6),
-    {
-        deny    => 1,
-        matches => ['CIFASMatch'],
-    },
-    "    if CIFASMatch is set, then fail verification"
-);
+$result = examine($age_only_6),
+is($result->{age_verified}, 1, "Age only 6, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 6, Fully authenticated');
+ok(not(exists $result->{deceased}), 'Age only 6, not deceased');
+is($result->{deny}, 1, 'Age only 6, denied');
+is($result->{CIFAS}, 1, 'Age only 6, CIFAS flagged');
 
-eq_or_diff(
-    examine($age_only_7),
-    {
-        age_verified        => 1,
-        fully_authenticated => 1,
-    },
-    "    ignore CCJs if set, fully authenticate if possible"
-);
+$result = examine($age_only_7),
+is($result->{age_verified}, 1, "Age only 7, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 7, Fully authenticated');
+is($result->{CCJ}, 1, 'Age only 7, Has court judgements');
+ok(not(exists $result->{deceased}), 'Age only 7, not deceased');
+ok(not(exists $result->{deny}), 'Age only 7, not denied');
 
-eq_or_diff(
-    examine($age_only_8),
-    {
-        age_verified => 1,
-        matches      => ['Directors'],
-    },
-    "    if Director, then age_verified only"
-);
+$result = examine($age_only_8),
+is($result->{age_verified}, 1, "Age only 8, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 8, Fully authenticated');
+is($result->{director}, 1, 'Age only 8, Is Director');
+ok(not(exists $result->{deceased}), 'Age only 8, not deceased');
+ok(not(exists $result->{deny}), 'Age only 8, not denied');
 
-eq_or_diff(examine($age_only_9), {age_verified => 1,}, "If KYC Summary is 1, then age_verified");
+$result = examine($age_only_9),
+is($result->{age_verified}, 1, "Age only 9, age verified");
+ok(not(exists $result->{fully_authenticated}), 'Age only 9, not authenticated');
+ok(not(exists $result->{deceased}), 'Age only 9, not deceased');
+ok(not(exists $result->{deny}), 'Age only 9, not denied');
 
-eq_or_diff(
-    examine($age_only_10),
-    {
-        age_verified        => 1,
-        fully_authenticated => 1,
-    },
-    "If Total number of verifications in Credit reference is 2, then fully_authenticated"
-);
+$result = examine($age_only_10),
+is($result->{age_verified}, 1, "Age only 10, age verified");
+is($result->{fully_authenticated}, 1, 'Age only 10, Fully authenticated');
+ok(not(exists $result->{deceased}), 'Age only 10, not deceased');
+ok(not(exists $result->{deny}), 'Age only 10, not denied');
 
 Test::NoWarnings::had_no_warnings();
 done_testing;
diff --git a/t/xml_report.t b/t/xml_report.t
index 1c9c5aa..ed905e6 100644
--- a/t/xml_report.t
+++ b/t/xml_report.t
@@ -10,8 +10,10 @@ use Data::Dumper;
 use lib 'lib';
 use_ok( 'Experian::IDAuth' );
 
-# clean up
-system "rm -rf /tmp/proveid/";
+my $tmp = $ENV{TEMP} || '/tmp'; # portability between windows and linux
+
+unlink $_ for <"$tmp/proveid/*">;
+rmdir "$tmp/proveid/*";
 
 my $module = Test::MockModule->new('SOAP::Lite');
 my $xml;