Thank you very much.
I'd like to go back to the phishing issue. Mr. MacMullin, you gave a lot of answers, but they were mainly about what you were doing to deal with the problem. I'd like to have some more quantifiable points regarding the barrier that can represent.
How much of a problem is phishing at this point? How far are you in terms of consumer confidence in solving the problem to the point at which consumers who haven't adopted, say, PayPal or online banking services, are convinced that the problem has been solved?