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It around risk. The Risk Management 101 would be built on that and once you start that program, it would go into different disciplines because there are operational Risk Management, never lose sight of the business. Thats the key. Earlier this year, we had recreation done by some department of Defense Cyber security folks about the cyber attack on estonia a few years back. They took us through what happened had happened and the. Ystems that were shut down people began to riot because they couldnt get their money. And military folks, they worry about our Banking System. So what is happening, bernadette, to protect our Banking System today and what is going to have to happen in the coming year. What i definitely think and companies in general, we need layers of security. When youre building youre security, it is one of the first things that comes into building the program so you understand what the program is meant to do and security should be not, as i said, it should have been one of t

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