I'd say yes. The chip and PIN, both the chip technology with the EMV-layered security and the PIN that is known only to the user, have been very effective. We've almost eradicated fraud on Interac debit. It's well below one basis point of fraud. As I mentioned earlier, it's just the remaining mag stripe terminals in the U.S.
I think it's also effective because of public education. There has been a lot of public education so that you don't share your PIN. Even in widely streamed media, in television shows, they've talked about how sometimes even spouses don't share PINs with each other. It's been very effective public education to keep your PIN secure and secret.