I think the first thing is you want to get some knowledge before you start to invest. And recognize that there are no quick, get-rich-quick schemes. If something seems to be too good to be true, it probably is. I remember when I got out of college, back in 1974, a long time ago, I decided – I had this very small amount of money that my great-grandmother left to me, I think it was $ and I decided I was going to go out and invest. And I have to say, at the beginning, I didn’t really know what I was doing. But I read a lot of books and I got really pretty well educated. There’s a lot of good books in the market, and I think you can actually educate yourself. And if you do that I think then you can start to gingerly start to invest. And you’ll learn as you go. It’s a long journey. I’ve learned things as I invested over the years. Now I don’t do anything, but I’m sort of retired from investing in my current role. But part of that I found that I kept learning it over a very long period of time. So, it wasn’t like the journey of knowledge was over at any point in time. But first thing is to find a really good book on investing, and read that.
So, 7 / 15  BIS central bankers' speeches  think of that as Bangladesh. That the messenger, who the person is who’s transmitting the payment, this is SWIFT, is secure. And the receiver. So in this case, the New York Fed is secure. That goes for anybody who is executing payments. It doesn’t have to be Bangladesh, through the SWIFT, to the New York Fed. It’s anybody executing a payment through any payment medium to any receiver. The thing that we’re trying to work on internationally is to try to make sure that everyone understands their responsibilities in that chain. So, it’s really important that the person executing the payment, that their facilities are secured. What seemed to be the case in the Bangladesh situation was their facilities were not secured, so someone executed a payment that looked completely authentic through the SWIFT pipes to the New York Fed. It was an authentic payment – it looked like an authentic payment when we executed on some of those payments – not all of those payments. So, we need to make sure that that first leg is buttoned up, and also we need to make sure that everyone understands their responsibility along that chain. So, this is something that we take very seriously. We’re working also with the institutions that we interact with.