RTS feedback today says you've got to look at virtual and pre-paid. We would keep the working assumption that it wasn't going to be in scope for us and that it was just going to be physical.

Virtual is possibly our largest growing segment within the commercial portfolio. We concert more business and large corporations. It's very diverse.

The scale of it is in terms of options we can give to customers, in line with operational impact against the fraud reduction will be absolute paramount to what we need to do going forward.

There were no issues with scalability. The first bank group I worked with started with 8 million cards being covered. This was expanded to 16 million with no detrimental issues.

Probably within the last couple of years, we added in more of our portfolio. So, we initially only had a certain number. We've added in the debit product, and we've added in commercial product, but that's only because we were sort of forced to. We probably wouldn't have put the commercial on there otherwise.

There were no scalability issues.

For our bank, we've experienced rapid growth and transaction volumes. We've seen no issue with scalability.

No, the market over here is such that penetration of 3D secure is pretty low, and that's not changed dramatically, so we've not really seen that increase in scale happen as of now.

But with the new protocol coming in, we definitely expect that over the next year and a half, two years, it should scale up. But I've seen this in another market, so I know that this solution is quite scalable.

Certainly, our experience has been that as the business has grown in terms of volume, but also we've put other countries, other regions across the world onto the solution as well, which is added volume. I've not experienced any issues with that increased volume, so I'd have to say yeah, it's meeting our scalability needs.

Within the Netherlands, if I can speak about the Dutch market, a lot of Dutch internet merchants support 3D, but on a scale of all card not present transactions, only 25 to 30% of the merchants are 3D Secure for card not present transactions. But we would like to see that moving further so that all card not present merchants support 3D Secure.

It has grown. We moved from the initial implementation to use LTPs just a year and a half ago so that was part of the same solution.

Again, that's been a big win with our customers and that is more scope for us to move on with regulation over the next year to a year and a half, so definitely CA offer what we need.

We have not had any scalability issues yet.

No issues with scalabiility.

We have not had scalability issues.

We did not encounter any issues with scalability.