To the first part of your question, I'm not sure I'm well placed to give an analysis of where liability lies. I would say that all the digital platforms have a key responsibility in addressing the fraud and cybercrime challenges facing this country. We've had some great relationships for figuring out how we can send them information and how they can send us information, but there's more to be done. There absolutely is more to be done across the spectrum for the role of digital platforms in this.
