sally greenberg let me pick up with you where i left it with the attorney general, is there a learning curve here? are the companies that are involved all along the chain that starts when you swipe that card becoming harder targets? well, it seems like this happens over and over and over again. we hear about the big cases , target last week, tj max. it seems that there is no change on the part of the retailers, the banks that back up the credit cards and consumers end up holding the bag. by that i mean consumers, it's on them to check their accounts. now we're seeing millions of consumers being forced on the limitations that they can take out of their own account, the amount of money that they can spend when shopping. we're very sorry that this happened. these are all the 20 things that you as a consumer have to do. consumers are fed up. they're tired of being at the raw end of the stick on this type of data breach that happens over and over again. i think we need a national solution. >> jason, you heard sally greenberg, you heard the attorney general, and it's true. when this first ha