It's incredible. Congratulations.
Ms. Burke, I couldn't agree with you more. Coming from a business background myself, the best thing that ever happened was the cards, and the amounts of money.... I've said many times, and in this committee as well, that the benefits far, far outweigh the costs.
But I'm hoping that with enough competition, and I understand even with a new procedure.... If I have this right, you're saying that with your technology the information has to pass beyond a barrier, whereas for the phone, Martha, it's all in the phone. The firewalls are in the phone. Do I have that right?