Thank you.
I think one of the major concerns or preoccupations of government in this regard is security of consumers, safety in the marketplace, consumer protection generally. But as we've been hearing on this committee...and I should say, incidentally, that these presentations were superb. You guys know what you're talking about.
It's a more and more complicated field. It's moving so quickly that I sometimes wonder if governments can really keep up in that role without entering unintended consequences, problems, or concerns to a greater extent than any problems they might be solving in terms of protecting consumers.
I'm hopeful that we're going to see that competition is such in the marketplace that...and your concern, of the same kind of trust. We've heard some of the examples today of where people have made mistakes, and there have been hacks and other problems in security.
Is it sufficient, in your mind...? I'd just like to ask this question generally. I mean, you can't afford not to have the ultimate trust of consumers or you're going down. There's enough competition there that consumers are going to go someplace else if they feel they're being defrauded or ripped off or whatever.
Is that not the case?