I don't want to be glib, but I have absolutely no idea. They refuse to share anything about their practices or their policies with academics. I would be speculating if I were to tell you that they're doing okay in terms of the algorithms they are running, in terms of the credit cards of legitimate people who went overseas and forgot to tell them and they stopped them. I can't say whether that was good or bad. We don't have information of how much fraud is occurring and why that fraud is occurring, due to all the other reasons.
We have a bottom line number. We said, for 2012, it was $440 million total combined that the banks and the credit cards had reported. We have absolutely no breakdown as to what the causes were and all the things they went through.
I am sorry, but I can't give you an informed opinion on how well they're doing.