That's a difficult question, and they may be able to answer that better.
Again, my understanding is that there's always an issue. How do we deal with the cost to a person who is denied a card or whose privacy has been invaded? How do we balance this? If we have a requirement to do it though international trading, there are going to be costs. And yes, business or government will have to bear these.
Our question is always, why have our members and workers, up to this point, had to bear the invasion of their privacy without their rights of appeal and due process being assured? I think the costs we've borne have been tremendous, far more than the dollar monetary costs.
So yes, there will be costs. There are costs every time we do something. If we want a secure world or a secure country, and it's a requirement that's needed, then somehow we'll have to work through it.