 This is your Tech It Out Minute with Mark Saltzman, powered by Intel. Yesterday, we told you how Visa has made a multi-billion dollar investment into fighting fraud, and that includes safeguarding your online identity, as we hear from James Murfin. So we're investing in technology, things like tokenization to protect payment credentials more broadly. It's a good way to take the personal information out of that transaction and out of the information that's flowing.