47 states, some in conflict with each other, some say you have to -- 100% know of the breach and unencrypted. others say one thing or another. so not only we as consumers don't know our rights but the businesses don't know how to operate, one state to another. >> tom, maybe a crass question but if you know your system is compromised, isn't it incumbent on you to met folks know, you're vulnerable, because their accounts could be drained? >> i think there is -- you raise a very valid point. one of the reasons howard and i have been working with new business relationship, alliance wilkes price waterhouse coopers to help the ceos work through the strategic questions and from a tack kick cal and operational level. at the end of the day, if we are a consumer at one of these particular organizations we're ultimately going to be dealing with that organization not with the federal government. so, at what point in time does