Hello! I read an article the other day which stated that having data in the Cloud where companies like Amazon and Google have the servers to hold a massive amount of data as well as having the top security measures in place to protect it would be beneficial to businesses like banks. Do you think it would be beneficial for financial institutions to move some if not all of their data to companies like Amazon and Google and ultimately in the Cloud? If so, why haven't financial institutions let firms like these handle their data in the past? Expense? Privacy concerns?