Well, it's very difficult to speak for another part of the economy.
You make a good point, in the sense that it's important to bear in mind that those breaches took place at retailers, but I think the point is, let's look at what has happened here. Nobody likes to see breaches, but when they do happen, you want to see that steps have been taken, that notification has happened, that the authorities were brought in and the Privacy Commissioner was dealt with, and that the VISA and Mastercard systems were immediately contacted. They're the principal entities working with the retailers in question. In turn, VISA and Mastercard will let the banks know they've been working with our customers.
But in that chain of events, there was notification, as the authorities and the Privacy Commissioner were contacted. Our sense, from publicly available information, is that the retailers are working closely with the commissioner. Our sense is that shows the system is working well.