The missing piece throughout [the development of a national infrastructure protection strategy] has been the private sector.

I think we will see more activity in the Philippines in the next day or two. I'm hopeful that we'll have a successful resolution of this case.

But we shouldn't act as though the private sector doesn't have its act together and the government does. There are also significant vulnerabilities in government.

We are working closely with the Philippine National Bureau of Investigation and they are looking at one subject.

There's no getting around the fact that we're incurring higher costs for the insurance protection that we're providing. And unfortunately the consumer is the ultimate bearer of those costs.

It's not a bailout. It's not a retroactive solution that we're advocating. It's ensuring that there is adequate protection for consumers. Our ability to protect consumers is finite.