mr. moynahan: we are good people. we are willing to spend the money because it is our customer.ce process with how we behave internally and how we manage the risk, and we have done a great job of staying ahead of it, but you always have to move forward and think about what can happen next. david: and it is not just a mechanical problem. it is not just machines. it is people. han: it is people, how people use devices, how people go out in the world. personal hygiene. it is like nothing else. you have security cards to get into the building, and then we have to have great security. we have to have a set of rational policies, but you have to be very disciplined about it, and then you have to invest the money to make it work, and on the rare occasion it does not work -- in the southern district, there was something that fortunately did not involve your bank but another bank, but it is not a lack of trying the people are trying to get into bank of america systems. how often do you experience attempts? han: we do not talk about those, but you should assume we get hit on occasion, a wh