your content is totally incorrect. Your post stated it was a summary but the conference call progressed for along time after your post went up. Your content stated that all banks would have to conduct their own tests on our cards. This is incorrect, and that question was put directly to the CEO who refuted your statement. Nothing in the conference call was as it was one year ago. Plenty of conference call messaging from the CEO was indeed new, and the questions posed by the attendees revealed other new information.