We don't either collect or monitor from a fraud perspective. That's the domain of the individual financial institution.
I should say, though, since we are sort of the managers of the national clearing and settlement system, that our public policy objectives are safety, soundness, and efficiency. Routinely, we review our rules to ensure that the transactions that flow through us and are going to be cleared and settled through us have proper risk management processes.
We require, for example, certain levels of authentication in the POS environment and the ATM environment. What we generally rely on is that when you as a consumer send funds from your institution, your institution institutes proper authentication technology, because they are essentially on the hook for those transactions.