 So Visa's invested a huge amount of money in this space. Over the last five years, we've spent over $10 billion on technology capabilities to try and counter some of those threats. We employ over a thousand people in the cyber space. As a result, we've got a network that runs at six nines of reliability, so 99.9999% availability, which is really important when merchants want to accept payments and consumers want to be able to make payments.