In response to your question, I just want to ensure that there's clarity. If we're talking about financial institutions and non-compliance that we discover within financial institutions, there are enforcement authorities that we leverage, and they can be accompanied by financial penalties where warranted. They also have the feature of required remediation and redress to consumers to make them whole where there was financial harm. Many of those—
On November 25th, 2024. See this statement in context.