I apologize for the Internet connectivity issue.
I'm very concerned about proposed back doors. We have seen in the industry, for decades now, well-intended efforts to create vulnerabilities inside systems, which, inevitably, are used by bad guys to get access to that data. We saw this, most recently, in the United States, when a nation-state was able to compromise the lawful access in the telephony system in the United States.
I would focus the government's attention more toward how to build stronger systems across the board. There are definitely technologies. I mentioned pass-keys as well as phishing-resistant or spoofing-resistant communication channels. There are, absolutely, newer technologies that can make a material impact on reducing fraud. I think that we should start there as opposed to trying to weaken systems.