Thank you to the panel for being here today. I guess we are in the same boat as you. We wish we weren't here today on this particular issue, but we are, and it's important that we look at it.
We dealt with this situation only a couple of years ago, and I know you're all intimately aware of this particular situation. Therefore, what would you say right now that we could look at to try to prevent this from occurring in the future? Is there something from both the member side and the security side that we could collectively work on so that these things would not come up again?