In particular, it's (d.2), because it does restrict the sharing of information for prevention, detection, and suppression, to just fraud. By way of background, banks are under persistent and evolving threats. And the secret sauce, I think, in the security world within the banks is trying to prevent and detect, because by the time you have an occurrence, an event, or a crime, it's too late. A lot of effort is spent on trying to prevent and detect.
By way of example, we see a lot of organized crime paying attention to theft of credentials. That's theft of consumers' information. They're attempting to do that. You see that online yourselves, probably through phishing. That's not fraud. It's theft of information. If we can identify that earlier on by sharing information, whether it's IP addresses with each other that can be blocked, and then they can start to pay attention to accounts or information that may be at risk, I think that's much better than investigating and being reactive at the end. We're just concerned that the legislation may not permit that, going forward.