it is no different than how lendingclub operates.ater role the risk of the lender or the source is taking, it has to be priced properly. or is a floor where there is not a return. the risk is too great without getting a property yield. we will goldin, continue to follow lendingclub's road to ipo. thank you. speaking of banks, jpmorgan and four other banks were hit by russian hackers this month. sensitive data was accessed. how much do companies need to spend to protect themselves? olivia sterns has been looking at the cost of cyber security and joins us now from new york. preparing.d been they were spending like a quarter of a billion dollars. >> a quarter of a billion dollars by the end of 2014. that is up 25% from 2013. they're going to have 1000 staff dedicated to cyber security. it is rare they have gone public with this information because hump an israeli rate down specifically what they are spending on cyber security because any kind of information makes them more vulnerable to an attack. i did find information divided up i sec