Hey John, great topic to discuss. I would like to start this discussion by saying how important it is to use an address verification system which will protect you. It is also known as AVS, and it is a tool. This tool is mostly used within banks and of course the credit card associations. It is all about the authorization request. You know how there was a discussion here about cybersecurity, so you can refer it to be the same. So, no one else but you can request anything from your credit card, that is the authorization.