I'm sorry, but I must answer in English.
I mention credit cards as a particular instance. But no, if there's a problem with debit cards, if somebody has attained access to a card through identity theft or skimming, the customer is taken care of. The customer is made whole.
What we do make a point of—which I think the Credit Union Central people were saying—is that it's very important nowadays for individuals to take care of their debit card numbers. There are all sorts of cases where basically the bad guys either look over your shoulder or have a little camera on the PIN pad.
We recommend strongly that when you use your cards, you do so carefully. You make sure that it's covered. You make sure that there is no obvious tampering on the machine.
We say, do not share your number with people. It's amazing to have to say this, but it's still true sometimes. Don't share your card and don't share your number, even with somebody you know, because these cards get around. Don't write the number on the back of the card; don't have a little slip of paper in your wallet.
If in fact you have contributed to it, that's a different issue.
I mention credit cards, but we take care of the debit card problems as well.
Perhaps my colleagues at Credit Union Central will want to add to this.