customers to be assured that nothing, including their pin numbers, have not been compromised. a question for target is, they could why unencrypted? why aren t they taking steps by encrypting data? the answer is because it costs money. but to protect our data, what the retail organizations in the country need to take seriously is it might cost them more money in order to protect the consumers data. you see the difference when you look at europe. you re saying the retailers are responsible and the government is also responsible. right? so that s what you re saying. in europe, is it that governments are saying okay, retailers, this is the mark you need to meet in terms of security, and the u.s. government doesn t do that? so there s three groups of entities or groups of people that point fingers at each other expecting the other to carry the costs. the credit card and debit card companies, they are accused of not having secure cards. you talked about the magnetic strips. the europe