Are you considering other multifactor authentication technologies? There certainly is room for other multifactor authentication technologies, and we are absolutely continuing to evaluate other techniques. In the technology business, you don't stand still.

Can you tell us what technologies you are evaluating? Probably not. Not because it's a secret, but just because I think we are still kind of going through some evaluations. We already employ an antiphishing service from Cyota.

Passmark has some interesting technology as well. The trick is using their techniques for authenticating customers in a way that doesn't throw a lot of false positives out there.