I would like to point out that in recent years the behaviour of consumers has changed radically. Up until five years ago, our data used to be at large organizations who would have large teams who would help us consumers protect against data breaches and protect our privacy. I think consumer behaviour has changed such that we have become responsible for our own privacy, and as Mr. Waterhouse pointed out, we do not take responsibility to the point that is necessary today.
What I would like to add is that I don't believe it is up to the consumer to guarantee their own privacy. I believe that the organizations should help consumers and help organizations to protect consumers and their own users from these data breaches.
As I said earlier, however, with those users now being responsible themselves, it is important that we do quizzes such as the phishing test you were referring to, to make people aware of some of the risks that happen when they store their data either in a certain system or with a certain organization. That is a problem that we need to address from both the consumer side as well as the standpoint of the organizations that have a copy of that data.