The private right of action was created basically to allow people to deal with the economic loss they have from malware and other types of things that they have received on their own personal devices and so forth. If that's suspended now, do you have any suggestions as to how we can allow people to protect their own devices during the payment for services that they make on a regular basis, as an investment? Again, I view receiving information on my device and through my service as a privilege, not a right.
What could we do to protect people from those things, to protect consumers so that they get the proper stuff they want, and then if they're affected and have economic loss....
If it seems like a sledgehammer approach, what else could we do?
Mr. McLinton, you might be able to start with this, and then Mr. Schiestel could answer.