Okay.
You're saying it undermines confidence in electronic commerce, being banking and so on. Are people afraid of people being able to tap into their bank accounts? Is that what you're saying, basically? Is any of that happening? Is there any reason to be really concerned on the electronic commerce side? I think most of us now do banking by the Internet, pay bills by the Internet, etc. How do you deal with concerns in that area now without the legislation? Would the legislation make a difference in that area, or really, is there any need to be greatly concerned? Have many problems gone astray in that area?