Thank you.
Mr. Levin, I'd like to have a little chat about Mr. Hawn's point on the banks stopping our credit cards when we travel and that kind of thing. It's sort of an early warning system for identity theft when someone is using your cards without.... How do you think the banks are doing in that respect? Are they doing enough due diligence? Are they okay when it comes to that aspect? Do you have any research to show that actually they're very late and that by the time they get to this, a lot of damage has already been done?