To speak to the earlier points, trust is critical both in domestic transactions and particularly in international trade transactions that happen through e-commerce. At eBay, as a platform, that is one of our absolute top priorities. It's not my area of expertise, but I know for a fact that we invest tremendous amounts. There are bad actors out there who are constantly banging away trying to find ways to exploit weaknesses.
To address Mr. Simons' point, the focus on security is something that has to be carried through the entire flow of the transaction, because the one weak point will be found and exploited. It's very unfortunate, but that is the way it is. This therefore needs to be something in which all of consumers, government, and business are holding hands and taking part. If any one of those groups drops the ball, that's exactly where the bad actors will go.