mr. grobman? >> i think one thing we need to recognize when we look at the price is the price of not taking action. so if you look at the cost related to fraud or misuse of social security numbers as authenticateors, my opinion is that is a staggering figure that needs to be comprehended when looked at the cost of impla e implementing a new plan. >> you have a number of solutions but one of the things that you emphasize is that we make sure that we steer clear of any bio metric solution. could you explain why? >> so when congress passed the privacy act in 1974, they were explicitly responding to and rejecting calls for a national identification system. their national identification systems that rely on bio metrics in other countries that raise really grave civil liberties and privacy concerns. for example, in india, their new bio metric system add har, i think, was recently breached compromising the bio metric data on it's 1.2 billion citizens. i think that any problems with bio metric system are

mr. grobman? >> it is a market-driven enterprise looking to steal things about you, and the reason that sites are criminals are looking to steal social security numbers is in today's world, they have value because they can be used as an authenticator. one of the most practical ways to stop the theft is to devalue what they are going after command that is in general a much more practical mechanism at the scale then trying to -- >> i have to stop you because i only have ten seconds. if you could respond to this by raising your hand. do you have a problem with using social security numbers as an identifier but not an authenticator? one out of eight. >> time is expired. ms. sanchez, you are recognized. >> social security numbers were originally created as a way to track earnings and they were meant to be used as an identifier in the private sector. the social security number has morphed into a tool used to identify and authenticate individuals in a number of different situations by greatly expanding t