We have buyer protection so if there are malicious or unintended transactions on a consumer account, we provide buyer liability and buyer protection for those fraudulent transactions and protect the consumer in that case.
I want to reiterate though that a malicious account access into a PayPal account is unlike a malicious access into any account. If online fraud occurs, we cover liability for the buyer, for the consumer, in that case. Our seller protection has other coverages to sell our merchants. The access to the PayPal account does not mean that the malicious actor necessarily has access to the bank account directly. They don't have access to credentials, nor to the bank account information, but only the linkage that we provide for the bank account as a funding instrument into the PayPal account.