Good question. Even prior to the development of the red team, we had our own internal ethical hacking team as well. The purpose of that team was to support our system development activities and make sure a credit system was secure before we placed our trusted data in it, or exposed it to customers. The red team, specifically to your point, is made up of ethical hackers who test our production systems on a daily basis. Those are internal employees. We augment those resources with experts in the field. We do that not just for capacity, but also for shared expertise, because the way to strengthen this industry is by constantly bringing in new skills, new talents, and continuously testing our systems.