You would have no liability if she used it over the Internet.
One of the things I was going to say, and it feeds into the security discussion, is also how quickly technology is moving. We at RBC did not want to be wedded to any single form factor. Just looking around the table here, I see we have a number of different devices. Nobody can actually say which technology will win and where it will go. So we wanted our technology to be flexible enough to be safe and easy, but not wedded to an individual form factor.