I'll take the question. Thank you very much, sir.
On behalf of my peers, one of the questions we have been faced with is regarding the academics who have approached the institutions. None of us has been able to determine who they've approached within the institutions and how those requests were not met.
The other thing is that we would be willing to undertake a study of this, and as a group, go back, define it, and try to quantify it, again through our partner at the CBA. But it will take us some time.
Last, if I may speak on behalf of my institution and the others, we don't believe that crime is a competitive advantage. We do work together, and we actually do want to stop it. We work with our industry partners, as you've heard my peers articulate, on the best strategies through education or other measures to inform the public, as well as stop the impact of identity fraud, let alone identity theft.