The issue focused on those times when things were going well in the financial system. The loss of those systems was not of any concern. The industry was well on its way to having a financial system that was open to more technology.

Q: Is it clear that you were never too concerned about the technology and that you were very aware of the technology and that you were very aware of the technology's impact on the technology?

A: It's been an interesting process. The technology that's been around