Yes. I'm not quite sure what you would be benchmarking in terms of how you would judge the standards.
I guess I'd put it this way. We want to be the best at providing service to our customers, and customers are annoyed by these calls, as well as scammed. Therefore, I think it's in our interest to work with the industry to actually get the best solutions and to share our learning amongst ourselves. This is a weird area, where we're actually sharing solutions amongst ourselves.