Exactly.
We are, however, greatly concerned about the rising incidence of electronic data theft, which leads increasingly to credit card, debit card, and bank account transfer fraud. The numbers are going up on incidents of that nature. Consumers are increasingly unable to recoup the cost of setting some of these things straight. There are weaknesses all along the chain in some of these cases, and probably the weakest end of the chain is in the retail sector, which is more vulnerable to hacking than the banks.
I'll be pleased to answer questions--unfortunately in only one official language.