I'd be happy to address that.
First of all, CIBC would not view the security and integrity of their clients' information as being a competitive advantage or anything that we would want to compete with anybody regarding it. We would view that as an expectation on the part of the customer that their information is protected.
I think it's important from an education tools perspective. We keep the client informed as to what's happening with their account. CIBC, through its online banking service, has a variety of transaction alerts. You can go in and see when your personal information changes, when your PIN changes, when your password changes, when any large transactions are performed. We even offer free credit bureau monitoring. We do that because we think it's important for the client to know what's happening with their account and for them to know it real time. Clients who subscribe to those services would get an e-mail or an SMS telling them what's happening with their account in real time so they could intervene and ask any questions they might have of the organization.