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of 110 million customers affected. >> this is huge. it's unbelievable how many people actually were hacked in this case. and if you think about it, how did it happen? it's really the security standards. they're very lax. if you look at europe, if you look at canada, they've implemented chip and pin technology, which is basically an embedded microchip on our credit cards. it's much, much safer, more secure and it's encrypted. so at the time of purchase, you're not swiping and just taking information off the mag strip. none of that information can be pulled down at the point of sale terminal, which is exactly what happened in the case of target and most likely the same thing with neiman marcus. >> so it's interesting. you're not saying the hackers are not better beyond our capabilities. they're not using best