Thank you.
Mr. MacMullin, you talked about trust in using e-commerce and services such as PayPal. I probably could have put the question as well to the Canadian Bankers Association, which testified earlier, or to the representatives of the credit card companies. There is a specific security problem, and it's called phishing.
To what extent can that affect PayPal and, more particularly, consumers' trust? Is it a very difficult obstacle to overcome? What measures are you taking to overcome it, and—I don't know whether you can answer this—how are your competitors doing it?