There are high standards for apps to be available on Google Play. We are assessing whether apps are valuative on a constant and ongoing basis.
In terms of the specifics of why an outside researcher would have identified one segment of apps to be problematic versus what our assessment led to, I can't speak to that. All I can say is that we are committed to consistently applying our rules across the apps.
We welcome inbound inquiries from external experts. We work with outside experts all the time in this space. I would be happy to bring some of my colleagues to have a conversation with you about the standards we apply for financial services apps in our Google Play store, because it is something that we take incredibly seriously.
I've said before that this is an ongoing challenge. We are in a very adversarial space, where criminals are seeking to circumvent protections. We welcome the conversation, because we take it so seriously, but this is a fight without a finish line. We are going to have to continually show up, day to day, to invest in hardening our systems, and we can do that only in partnership.