Electronic payments are safer I think.

I do not write checks.

Once we settled down in the third quarter and played with patience and discipline, we were very hard to stop.

I don't think we're safer at all as a consequence of this.

The concern over data security is broader than electronic payments. But at Visa, we know that maintaining cardholder confidence is crucial to the success of the Visa system, and that's why we are committed to doing our part to contribute to a global solution. Through constant innovation, investment and education, Visa is committed to working with member banks, technology partners, merchants and consumers to support and enhance the security of cardholder data. But we are only one part of the solution.

I think if we had a skate park we'd be a lot more safer then just going out on the streets and skateboarding and it would just keep kids off the streets generally.