 I think the lessons that we're going to look at going forward, number one is resilience, also known as having a plan B. I've had lots of people say to me in the last 24 hours, they're thinking that they might start carrying cash again so that they can pay for stuff in the shops if the payment system goes down. There are also, I think, big questions to be asked of the giants. You know, Microsoft is very clear that it was not at fault here. It was not an update issued by it. But the question is, how did it slip through its safety nets?