three lawsuits seeking class action status against the chain. one suit claims target failed quote, to implement and maintain reasonable security procedures and practices appropriate to the nature and scope of the information compromised in the data breach. last week, target sent a notice to millions of customers who had sensitive information like credit card security codes and expiration dates compromised between november 27th and december 15th. to make up for it, target offered victims of the breach a 10% discount and free credit monitoring, but for some consumers, that just doesn't cut it. joining me now to talk about this is shawn henry, an expert on all things security, particularly online security. in layman's terms, for people out there who use credit and debit cards all the time, how did this happen? >> it's unclear specifically how it may have happened in this particular case. typically what happens is