This is a perfect segue. I want to pick up where Mr. Motz left off. I think it's specifically relevant to small businesses to be mindful of the obstacles to developing good cyber-infrastructure. We have a lot of start-ups that are data-intensive, where the protection of data matters early on in the corporation's lifetime, and there's a disproportionate cost borne by those kinds of businesses versus our large banks.
Besides the U.S. and Canada, are there any other jurisdictions you could point to where partnerships have been established between companies like yourselves and the public sector to establish baseline levels of security that provide a common good for the small business community, upon which further models can then be built as the companies grow and have more specialized cybersecurity demands?
Either of you, or both, could respond.