 You're usually not liable for those losses, but your investment accounts enjoy little to no regulatory protection from fraud losses, which can leave your life savings vulnerable in the age of identity fraud. And we actually talked about a story given to us by the Identity Theft Resource Center of an investor who lost hundreds of thousands of dollars a couple of years ago after he unwittingly downloaded malware onto his computer. I was thinking about it from a totally different perspective. Thank you for summarizing.