I believe we generally are supportive of the model and the legislation that's before the House. That's the first statement.
On the second one, the individual basis, most of our systems aren't geared to identify fraud at the individual level. I think Mr. Fisher articulated that we rely upon our customers to review their own transactions. In fact, they become the first line of defence for us. Then it becomes a one-on-one relationship with the customers, and through that dialogue, if they are a victim of identity theft, there are steps that we lead them through to protect them, and it's the bank's obligation to do that.