The first step we're taking is to strongly encourage the government to bring in legislation to make identity theft a crime. It is not now a crime. You can have the trunk of your car filled with the tools to break and enter, and that's a crime, but having the tools for identity theft is not a crime. We think the Criminal Code should be changed.
As for the mortgage issue, this has been an issue at the court level. The court that made some decisions in this regard about one of the small trust companies has reversed itself, and we think that's a good thing.
Remember who the bad guys are here. They have a high incentive to try to stay ahead of the police and of financial institutions. We literally work continuously with law enforcement, with the government, and with our regulators to try to stay ahead of them. We have very detailed security systems internally. We have systems that can detect if your credit card is being used inappropriately. We have very strong due diligence.
But this is a moving target. If you put the PIN in the right spot, the bad guys are going to be ahead. All I can really tell you is that we take it very seriously. We don't ever want to have a customer of ours have this kind of problem; we want to stop it before it becomes a problem.