Okay, what I do is I do assess the urgency, and what I also do is I remain focused and be able to communicate effectively when I see this kind of situation arises, and at the time I'm working at Wells Fargo, I have a customer who called in for an account being compromised, and she got a call from a customer, somebody saying that they are from Wells Fargo, and she provided them her account number and her routing number, so her account was actually compromised, and all the information was changed. So very fortunately, it's my first sense of urgency, for me to be able to go ahead and disable online banking, which is the first thing that I would recommend to do, and also what I actually did was, I went ahead to do the lost and stolen on the account, which is basically freezing the account, so that no, any kind of transactions is going to go up or come in, so what I tried to do at that time is my sense of urgency, and be able to communicate effectively to the customer, and very much and stay organized, and make sure the customer don't panic, and then be able to review and reflect on whatever is happening in that situation. Thank you.