We've recognized for many years that safeguarding is really an essential principle. In fact, it has to be one of the top two of the 10 principles that make up privacy legislation, so it's always been abided by.
Now, in recent years, we've seen, of course, cyber issues associated with that, and certainly within our industry there's been more work done on the cyber side during the last three to four years. Indeed, we have committees made up of member company folks to be up to date on the most recent developments. We work with our financial services regulators so that they're apprised of what safeguards companies have in place, but it's an ongoing battle.