types of breaches, it is the magnetic strip data that is taken off and these adversaries, these organized crimes group can take the data and use it to make plastic cards to withdraw money out of atms or use it at credit card point of sale devices. at europe and other places around the world, the chip device provides a much higher level of security and provides -- >> why don't we have them? why do i have this credit card? >> there's a significant cost to that. it's certainly something that needs to be weighed, what the risk is, what the cost is. i think now with a breach like this, consumers are going to start to demand that there be higher levels of security. >> okay. so i have to admit that i'm a target shopper like so many people out there are, and i get their e-mails saying however many hours left before christmas, and i think twice before i click on the target website now. is that appropriate? should i be concerned? or do you think because they had this breach it's even more secure? >> this really isn't about target. all retailers are potentially susceptible. there are adversaries, organized crime groups, that are breaching