May I answer?
To the extent that it does affect the smaller businesses, we simply think it's good business, because if a customer finds out after the fact that there has been a loss of their personal data and it led to identity theft, that business would feel terrible and they would lose business in the long run. We think that it's good to get the issue in front of them--as Philippa said, an incentive--to have them take even a very general look at their data-handling practices, if you will, and put things under lock and key. They may think about maybe running a really simple encryption program. Even knowing what kind of information they have, it's not that onerous.