Yes, but it's the same as when a parent gives a child the debit card and says, “Here, I don't have time to go to the bank machine or pay for that. I'll give you the credit card and here's the PIN.” Nobody stops them from doing that. And that's the same thing we are doing here. It's an agency. We're acting on behalf of the consumer.
If the consumer could do this effectively and quickly through the bank, then we wouldn't be here.