Thank you, Mr. Chair. It's good to be here today.
When you're talking about things like return e-mails and SMS texts and those kinds of things, is it gained at the password level? Is it gained at a failure to log out of a site and someone can access through that? Is it gained through phony websites? Over the last while, one of your banks has been sending me something that is obviously not from you, and I'm wondering when you run into these problems where the access point usually is.