Certainly there are always challenges, and over the course of the past year there have certainly been some fairly high profile data breaches. The highest structured profile was Sony, who runs the PlayStation Network, which basically had been hacked. Someone broke in and apparently made off with some information. From all indications, luckily no financial information was made available. We haven't seen any negative consequences in that respect, but it's still a problem. Also, the Privacy Commissioner of Canada indicated that she was quite satisfied with Sony's response—but still, it was a major breach.
These things are seemingly occurring on a fairly regular basis. In order for us to facilitate electronic commerce, it is critical--I cannot overstate this--that the element of trust exist. I think Darrell talked about this. Without trust, e-commerce doesn't work. Without trust, no one is ever going to give their credit card information and no one is ever going to give their personal information. We have to build this regime of trust. That is done largely by building mechanisms like PayPal that have an established track record, that are themselves trustworthy, and that also operate very quickly to root out, identify, and squelch basic issues of breaches, violations of trust, or the abuses that occur.