I probably only have time for one more question, but I want to know the difference between the U.S. and Canadian protection. Some of the technology to me really seems to be lagging in the United States. I think we're ahead of it in a number of areas here. Here you get the magnetic strip cards. Down there you get a failure to be able to transfer money electronically. How does that contribute to or how does that prevent this kind of identity theft and fraud?
