On the first part of that question of whether we share information with each other, yes, there is a threat-intelligence working group under the CBA cybersecurity specialty group, which all the banks and CSE attend and provide updates to as well, which we find very helpful.
We share indicators of compromise. These are technical indicators on the types of threats and bad actors that we see and how to identify them. We find there's a great strength in doing that. We know that adversaries, criminals, share very broadly in the dark web and in other chatter about vulnerabilities they find in institutions and banks. I think likewise, we should take advantage of that.
On your second question of whether we see vulnerabilities that occur in the customer's home, no, we do not. Typically all we see is the transaction as it comes into our servers.