Mr. Tim Duggan:

Two things. First, we notice customers are not shy, so if somebody who goes through the process does not get a card he or she is quick to tell us and we can investigate that. To be honest, it does not happen very often, rarely in fact.

The second thing is if someone reports that a card has not arrived we immediately revoke it on our system. We do not go looking for it and try to find out where it went, we immediately revoke it. It is highly unlikely to be occurring because we are getting very few complaints from people. The issue has rarely arisen. In fact, I struggle to think of an example.