Janice Schakowsky actually said...

First, I want to say, Dr. Friedmann, you are one of the best witnesses that I have heard before this committee.

I believe the breach of marketing data represents really a serious threat to consumer.

Harm from payment card breaches are acute, harm from nonfinancial breaches linger, identity theft lasts.

So you would disagree with that conclusion that it doesn't stop fraud on existing accounts and won't prevent new account identity theft?