Thank you, Mr. Caron.
There are a number of things that PayPal does to protect our customers. Phishing and spoof emails and scams have been going on for many years. PayPal was actually an early victim of that, probably an early target, given our global nature and our scale. We have over 103 million active users around the world.
One of the things we've been really good at is fighting and detecting fraud in our system. By nature of the way our system works, as soon as someone attempts to access your account or there's some suspicious activity going on within your account, we may let that happen to monitor what's actually going on. From a consumer standpoint, though, we make sure that none of your financial information is ever transmitted as part of that. We also have very strict buyer and seller protection policies in place for any unauthorized use of your account, so if by chance you do fall victim to a spoof email and someone attempts to do a transaction, you're 100% covered against any unauthorized use of your account.