were going offline, weren't they?

Yeah, and when a bank gets attacked and doesn't defend well in this, what happens is people can be at a supermarket and trying to pay for their groceries and they can't, which can lead to some very bad reputation outcomes.

So banks want to avoid these types of problems at all costs.

But what had happened across the banking sector, and the bad actors had figured this out, is banks hadn't modernised how they protect against things like that.

And it comes down to risk appetite.

The money to invest in actually those types of protections hadn't happened, but the risk basically was also not really well documented and understood by the banks.

So there was about a couple of month period where there was some very rapid investment that happened because for the want of a couple of hundred thousand dollars, banks could avoid actually really significant reputation damage.

It's through, you know, what you do with it and, you know, putting it into action.