Certainly.
PayPal was part of eBay until just five years ago, and at that point, eBay had encountered some cyber-events. We were part of a program that learned from those. We've emerged into the leading digital payments platform that has evolved into a global leader in this space.
We've certainly invested a lot in knowing the industry partners and working with government and working with public and law enforcement agencies to make sure that we understand the climate of each of the regions that we do business in. We've invested quite a bit in our fraud platforms to understand more about what types of criminals are trying to defraud customers. Of course, we've remained true to protecting customers data and standing behind them with our buyer protection program and safe practices in protecting consumers in all those situations.