So the important key here is that there is a large consumer base that's very comfortable with the card paradigm. They feel very good about that. What traditional magnetic stripe cards lack is the ability to put a lot of interesting applications into the card itself, which is where smart card spans the space. And then, if I use the smart card with an appropriate password mechanism, what I have is a very comfortable mechanism for authentication, which doesn't impinge on the person's view of their privacy. I will not discuss what we do with respect to security in any way, shape or form.
Security is paramount.
We have been operating under a security and privacy code since 1970, long before it was fashionable, and we have extended that into everything that we do on the Internet. It is inherent upon us, in every day, in every way, to ensure that security and privacy is maintained. It is absolutely critical for us. It's something that as the CIO I take a deep personal interest in. And in fact, so do our president and our chairman.