Okay. I have a follow-up question on that one, and this will be for maybe you and Ms. ter Haar on this one.
You are relatively new. I'm not sure how old your company is. I'm just looking at your website here. But when you look at the security and maintaining security, it must be a real challenge for you to actually get the people and the resources and the expertise it takes to actually stay ahead of this stuff.
So what kind of challenges is that providing for your organizations? As well, just as a sideline question, Ms. ter Haar, what are your transaction fees for your services?