Well, it's back to that we don't necessarily know what we don't know. I'll speak of our operator role. We operate the main wholesale system and a retail system for clearing and settling between financial institutions. We do a lot to protect those from whatever risks we see, but certainly there are the security and cyber-risks.
You hardly pick up a paper each week without hearing of another either event or threat, and all of us who run aspects of the payment system know how many attempts we see to infiltrate systems every day.
So my comment was a general one. But there's a common understanding in the industry that it's a big issue that we have to—