one of the great challenges we face was making sure that every household gods of their annual sears roebuck and company catalog in terms -- in time to mail in the order by the holidays. those were the simpler times. there was not a shortage of thieves during that time. out of town newspapers warn travelers to new york city to avoid the gentleman that would sell sections of central park to foreigners. [unintelligible] they talk about cities invested with the scum of pickpocket nurse -- thieves, pickpocket, scoundrels. they have always existed but today they come out of so many different directions. a consumer who moved his wallet to his inside pocket, steered clear of dark alleys, and arm themselves with moral fortitude could probably navigate the marketplace relatively intact. today's consumer is fall -- vulnerable online, over the phone, and even in emails. it is addressed as a beloved aunt molly. croaks do not just pick pockets, they pocket pictures shot with children, they fish for passwords and crushed credit ratings. they are in your computer, on your smart form -- smart phone, in your