In connection with the mortgage fraud, there was a court case, I think, as well. I don't know which court it was, but somebody said to the banks—the mortgagee, whomever—“That's your problem.”
Then you start asking the question. Your presentation was very good, but with all of this information, with everybody who gets this information—everything from your mother's maiden name to your birth date to everything else—and someone commits a fraud on you, even though you've given out this information, is the onus on them to show...should they sustain the loss? I'm comparing it to the mortgagee situation. It may be impossible in many cases, particularly if they've stolen from your bank account, I suppose, but in many cases why should the consumer suffer, particularly when they're being asked to jump through hoops to provide all this information to people?