There are a number of provisions. I know my colleague Mr. Law will want to talk about this. You can look through different kinds of products--for instance, on credit cards there's a zero-liability policy out there: if somebody gets your identity and uses your card fraudulently, you, the customer, are held blameless. It's zero liability.
I'm very glad you raised identity theft, because it really is an issue. I'll ask Mr. Law to comment a bit further.