Yes, exactly. Thank you very much for that.
I want to then move to the second topic I wanted to raise, which is the cloud technology.
PayPal, your information is stored in the cloud as well. Maybe I'll use the RBC example. If I tap to pay, the information is sent. It's not stored on my BlackBerry, the information is stored in the cloud. But during that transmission is there any concern?
We're always told to hide our PIN, that during the actual transaction itself, in terms of using a debit or credit card, that's actually the most concerning time with respect to someone taking that personal information, stealing someone's personal identity in that way. During the transmission from here to getting the information from the cloud, are there any security concerns that the committee should be aware of?