MacRumors

Following the publication of a blog post earlier today outlining some details of its upcoming CurrentC mobile payments solution and disclosure of a hack resulting in unauthorized access to users' email addresses, Merchant Customer Exchange (MCX) held a conference call with members of the press to further address questions and concerns.

During the call, MCX CEO Dekkers Davidson and COO Scott Rankin clarified that MCX merchants who choose to accept Apple Pay are not subject to fines. As stated in the blog post earlier today, merchants are also free to leave the consortium entirely at any time without penalty beyond forfeiting the time and money already invested in the effort.

As a result, MCX certainly appears to be placing the blame for its member retailers' refusal to accept Apple Pay on the merchants themselves. Asked whether Apple Pay and MCX's CurrentC solution should be able to exist side-by-side, the executives noted that believe they will in the future and that it will take two or three major players in mobile payments to allow the entire market to thrive.

But pressed as to why some retailers such as CVS and Rite Aid have shut down NFC entirely rather than allow unofficial Apple Pay payments in their stores, Davidson argued that merchants know their customers best and are making the choices they believe are right for their customers. He said the merchants believe customers want more than just mobile payments, and CurrentC's integration of payments with loyalty cards and coupons will in his opinion prove to be the best solution.

On the topic of the hack that has resulted in compromised email addresses, Davidson noted that attacks on their systems were expected and have been heavy over the past week but that the email breach did not affect the app or the actual CurrentC systems. As a result, the issue has not shaken MCX's confidence that the cloud is the best place to store personal information for CurrentC users. Asked why MCX has been the target of such attacks over the past week, Davidson speculated that with MCX "challenging the status quo" of large, entrenched payment systems, there are bound to be attacks.

Addressing privacy issues, Davidson and Rankin also highlighted the privacy dashboard that will be available to all CurrentC users. The dashboard will allow users to tailor their level of engagement with retailers, ranging from complete anonymity to identifiable relationships that will allow for customized offers, coupons, and other benefits.

The executives also touted CurrentC's technology and payment platform agnosticism, noting that while the system has been initially built out using QR codes for maximum compatibility, the system can easily pivot to NFC or other technologies as appropriate. Responding to questions of security with QR codes, the executives pointed to Starbucks, which processes 5-6 million transactions per week using the technology.

On the payment front, CurrentC will support a variety of methods including store cards, gift cards, debit cards, and checking account withdrawals, with two credit card companies even on board at this stage. Over time, MCX expects all cards to be welcomed, even with the interchange fees charged for credit card usage.

CurrentC is currently in limited testing with an undisclosed number of partners in undisclosed locations around the country, and a full nationwide launch is planned for early next year.

Update October 30 7:26 AM: Following continued unclear answers and dodging from MCX executives, an MCX spokesperson has confirmed to Business Insider has confirmed that consortium members who choose to accept Apple Pay must indeed leave the CurrentC group. During yesterday's conference call, the executives refused to share whether any retailers have left the group or are considering doing so.

GT Advanced's Chief Operating Officer Daniel Squiller yesterday filed some revised documents with the court, giving a bit more insight into what went wrong between Apple and GT Advanced that led to the latter company's Chapter 11 bankruptcy filing.

Shared by Fortune, Squiller's affidavit [PDF] delves further into the contractual obligations outlined in GT's agreement with Apple, which led to huge losses of money as the contract was highly favorable to Apple.

It was known that the terms of the contract prevented GT Advanced from selling its sapphire to customers other than Apple, but as it turns out, Apple also had a vast amount of control over GT's sapphire production. For example, GT was not able to modify equipment, specifications, or the manufacturing process without express consent from Apple, but Apple could modify the terms at any point. GT was also expected to fulfill any of Apple's purchase orders at Apple's demand, with severe penalties for failing to do so.

GTAT must accept and fulfill any purchase order placed by Apple on the date selected by Apple. If there is any delay, GTAT must either use expedited shipping (at its own cost) or purchase substitute goods (at its own cost). If GTAT's delivery is late, GTAT must pay $320,000 per boule of sapphire (and $77 per millimeter of sapphire material) as liquidated damages to Apple. To put this figure in perspective, a boule has a cost of less than $20,000. Apple, however, has the right, without compensating GTAT, to cancel a purchase order in whole or in part at any time and reschedule a delivery date at any time.

Apple was also in charge of the Mesa, Arizona facility that it acquired for GT Advanced, and delays at the facility cut into GT's production time. Apple reportedly decided it was too expensive to provide backup power for the furnaces and on multiple occasions, power interruptions led to delays and loss of sapphire boules. GT Advanced was also not in charge of the sapphire cutting tools that it received, and in his affidavit, the COO says that the tools did not "meet their performance and reliability specifications."

The contractual obligations ultimately resulted in GT's inability to meet "cost and production targets" for reasons that it says were "beyond its control." Issues in scaling its technology to create large 262kg sapphire boules to meet Apple's specifications also led to the bankruptcy filing.

The key to making the transaction profitable for both sides was the production of a sufficient number of 262kg boules of sapphire crystal meeting the specifications required by Apple. [...]

Unfortunately, the production of 262kg boules of sapphire could not be accomplished within the time frames the parties had agreed, and was more expensive than anticipated. These problems and difficulties resulted in a liquidity crisis at GTAT, which led to the commencement of these chapter 11 cases"

Though Apple and GT Advanced have reached an agreement to dissolve their partnership, the two will remain in contact as GT Advanced continues its research work focused on producing larger sapphire boules. The two companies will meet quarterly to discuss GT's progress on that front, with collaboration still possible if both sides agree to move forward.

GT Advanced has already begun winding down operations at the Mesa, Arizona sapphire plant, wrapping up sapphire boule production, decommissioning furnaces, and laying off employees. The plant is expected to shut down on December 31.

Both Verizon and AT&T appear to be engaging in some unsavory customer tracking techniques, using unique identifying numbers to deliver targeted advertisements to customers in what's called "Relevant Advertising." As outlined by Wired, Verizon is altering the web traffic of its customers by inserting a Unique Identifier Header or UIDH, a temporary serial number that lets advertisers identify Verizon users on the web.

According to Jacob Hoffman-Andrews of the Electronic Frontier Foundation, the UIDH serves as a "perma-cookie" that can be read by any web server to "build a profile" of internet habits. Verizon users cannot turn off the UIDH, but opting out of the Relevant Mobile Advertising Program prevents the information from being used to create targeted ads.

Verizon has been using Relevant Advertising techniques for two years, but the tracking has gone largely unnoticed until recently, when extra data from Verizon customers was noticed. AT&T appears to be engaging in similar tracking activities, and is testing its own Relevant Advertising system.

According to Forbes, AT&T is testing a similar code insertion program that will allow websites to track AT&T customers. Like Verizon, AT&T has plans to make the tracking codes temporary as a "privacy-protective measure," but according to one of the researchers that discovered the tracking, Kenneth White, the codes that AT&T is sending to some customers are persistent.

AT&T does not currently have a mobile Relevant Advertising program. We are considering such a program, and any program we would offer would maintain our fundamental commitment to customer privacy," read a statement from AT&T. "For instance, we are testing a numeric code that changes every 24 hours on mobile devices to use in programs where we serve ads to the mobile device. This daily rotation on the numeric code would help protect the privacy of our customers. Customers also could opt out of any future AT&T program that might use this numeric code."

Unlike Verizon, AT&T will not include the unique identifier code in the IP packets of customers who have opted out of the company's Relevant Advertising program.

Both Verizon and AT&T customers can check whether their devices are sending identifying codes by visiting a website created by aforementioned security researcher Kenneth White. Verizon customers appear to be unable to opt out entirely, but AT&T customers can visit the following website on their mobile devices (while connected to the AT&T network) to turn off Relevant Advertising: http://205.234.28.93/mobileoptout/.

Apple is forcing popular iOS calculator app PCalc to remove its Notification Center widget, which allows users to access calculator functions directly from the "Today" view of the Notification Center. According to Apple, widgets on iOS are not allowed to perform any calculations.

Apple's sudden decision to disallow PCalc's previously approved widget is somewhat surprising as the app is featured in multiple places in the App Store, including a section called "Extend Your Apps" featuring apps with unique widgets, and "Great Apps and Games for iOS 8," which also features a selection of Notification Center widgets.

Apple appears to have some fairly strict guidelines governing the proper usage of Notification Center widgets. PCalc is not the first app that's facing the removal of its widget, as Apple previously pulled Launcher from the App Store. Launcher installed a Notification Center widget that provided access to quick actions like making a phone call, opening a pre-defined Maps route, or sending a tweet.

Apple's App Extension guidelines do clearly state that Notification Center widgets should have a "simple, streamlined UI," a limited number of interactive items, and specifies that a widget is "not a mini version" of an app, but it does not appear to expressly disallow calculations. There's also a Pcalc app for OS X Yosemite that brings similar functionality to the desktop Notification Center and it is unclear whether Apple will also require the removal of that widget.

For the time being, PCalc can be downloaded from the App Store for $9.99, with access to the Notification Center widget included. [Direct Link]

Irish firm Probendi is seeking to capitalize on Apple's announcement of the Apple Watch earlier this year by using its existing "iWatch" trademark in Europe to launch its own smartwatch device. Probendi director Daniele Di Salvo confirmed in a recent RTE Radio interview that the company will "absolutely push ahead" with its plans to build a smartwatch device that will compete with the Apple Watch, reports news site Herald.ie.

Probendi owns an iWatch trademark in Europe and has been using the iWatch name for health and safety communication software. Di Salvo acknowledges the company's existing iWatch software product, but notes that "the name is easily associated with a smartwatch" when discussing the company's future plans.

It is unclear, however, how Di Salvo will be able to extend use of the iWatch name to a smartwatch, as the category protection for the company's trademark is somewhat limited within the computer software classification. Numerous other companies, including Apple, have filed for protection on the "iWatch" name in a variety of classifications and countries, something that may have contributed to Apple's decision to use the "Apple Watch" name for its product.

Speaking to RTE Radio, Di Salvo refused to comment on any potential discussions with Apple about the trademarked name, but did confirm that the company is in talks with Chinese manufacturers about producing a smartwatch device.

"We have been contacted by some very important manufacturers in China about the possibility of manufacturing a smartwatch and selling them with the name iWatch. Discussions are still ongoing. We are good at software but hardware is definitely not our business but we are evaluating this request," Mr Di Salvo said.

Di Salvo's iWatch will feature a square design, a touchscreen, GPS functionality, and an accelerometer. It reportedly will run the Android operating system, with support for fitness, health tracking and other apps. According to Bloomberg, Di Salvo is looking for manufacturers to assemble the device at a cost that is lower than the Apple Watch's $349 entry-level price.

Just hours after publishing a blog post answering some questions about its upcoming CurrentC mobile payments system and touting the security of its cloud-based storage of sensitive information, the company behind the effort, Merchant Customer Exchange (MCX) has alerted users of unauthorized access to their email addresses.

Thank you for your interest in CurrentC. You are receiving this message because you are either a participant in our pilot program or requested information about CurrentC. Within the last 36 hours, we learned that unauthorized third parties obtained the e-mail addresses of some of you. Based on investigations conducted by MCX security personnel, only these e-mail addresses were involved and no other information.

Details on the unauthorized access have not been disclosed, but iMore's Nick Arnott earlier this week took a look at some of the personal information being collected by MCX and CurrentC and noted that he could ping CurrentC's systems to look for valid registered email addresses on the system. While he did not find valid addresses, the system appeared capable of returning a substantial amount of personal information about such accounts.

Security has of course been one of the main selling points of Apple's new Apple Pay system, with data stored in a Secure Element on the device and payments authorized through Touch ID and tokenized account numbers being used instead of actual credit card numbers to process transactions.

Apple had the consumer in mind when it added a multi-carrier SIM card to its new iPads, said Apple vice president of iPhone, iPod and iOS product marketing Greg Joswiak in a recent Re/code interview (via Fierce Wireless). But that motivation does not mean the Apple SIM will be making its way to the iPhone any time soon, as Joswiak noted most consumers go directly to their carriers to buy iPhones, while the iPad more often is sold through Apple's retail channels.

"It's about the customer experience," he said during an appearance here at Re/code's Code/Mobile conference. "We ultimately don't know who you are going to use as the carrier, [and] we want to make it as easy as possible."

Joswiak said Apple has not discussed putting the Apple SIM into iPhones, but said that because of the way most customers buy an iPhone--through a carrier directly--the Apple SIM is not as well suited. "I don't think you're going to go to the Verizon store and say, 'Can you hook me up with AT&T?,'" he said.

With most iPhone customers committed to their carriers for a significant period of time, either through contracts subsidizing the phone cost or through payment plans, multi-carrier SIM cards make less sense for iPhones.

Apple's new universal SIM in theory allows customers to activate with one carrier and then switch to another carrier as needed, but there are some limitations. The Apple SIM is currently only compatible with AT&T, T-Mobile, Sprint and UK carrier EE. Verizon confirmed that is not adopting Apple's new SIM, instead requiring customers to activate with a Verizon-specific SIM.

In addition, while AT&T is listed as a compatible carrier, the provider is not fully supporting all the features of the SIM. Apple and AT&T have confirmed the carrier is not allowing its customers to switch once the Apple SIM has been activated on AT&T's network, instead opting to lock the SIM to its network following activation. Customers who activate service on AT&T will thus have to purchase a new SIM if they want to use their tablet with another carrier.

Apple introduced the new iPad Air 2 and Retina iPad mini 3 earlier this month with sales beginning last week. Both tablets feature a universal SIM, Touch ID, and storage options of 16, 64 and 128GB. The iPad Air 2 also includes a new A8X processor, antireflective display and 2GB of RAM. The iPad Air 2 retails at a starting price of $499, while the iPad mini 3 costs $399 for the base model.

Much of the Apple news in recent days has centered around Apple Pay and what Tim Cook referred to on Monday as a "skirmish" in which several retailers backing a competing mobile payments initiative known as CurrentC have shut down NFC payment functionality in their stores to prevent customer use of Apple Pay, Google Wallet, and other similar services.

Numerous sources have indicated that retailers backing CurrentC are contractually prohibited from accepting alternative forms of mobile payments, and sources told The New York Times that retailers breaking those contracts would "face steep fines."

Merchant Customer Exchange (MCX), the consortium of retailers backing CurrentC, has now published a blog post confirming that retailers working with MCX are indeed required to back CurrentC exclusively. While the group does not directly address whether consortium members could be fined for accepting Apple Pay, it does say members may leave the group without penalty if they so choose.

MCX merchants make their own decisions about what solutions they want to bring to their customers; the choice is theirs. When merchants choose to work with MCX, they choose to do so exclusively and we’re proud of the long list of merchants who have partnered with us. Importantly, if a merchant decides to stop working with MCX, there are no fines.

While the lack of a fine for leaving the consortium means retailers such as CVS and Rite Aid could still pull out of the CurrentC effort and begin accepting Apple Pay, retailers are undoubtedly reluctant to do so as they view CurrentC has a key effort to escape from credit card swipe fees while maintaining the ability to mine customer information. Many have also already invested significant amounts of money in the CurrentC effort, money that would be lost if they stopped working with MCX.

Beyond its arrangements with retailers, MCX also addresses the features of CurrentC in its blog post, highlighting the fact that it will work with any phone, integrate coupons and loyalty cards, support multiple forms of payment including gift cards, credit cards, and checking withdrawals.

Addressing user privacy, MCX highlights CurrentC's privacy dashboard that will allow customers to control what information is shared with retailers and argues that the system's cloud-based storage of sensitive customer information offers more security than on-device storage that could be more easily compromised through hacking or theft.

MCX's CurrentC program is currently in limited testing, and is expected to launch nationwide sometime next year.

Research firm Kantar WorldPanel has released a new report (via TechCrunch) highlighting global smartphone sales over the July-September period which saw the debut of the iPhone 6 and iPhone 6 Plus. The report found that Apple's market share in major European markets is now higher when compared to the prior-year-period that saw the debut of the iPhone 5s and iPhone 5c. However, Apple's share in countries like the United States and Japan were found to be lower when compared to the same timeframe last year.

Our latest data covers the first few days of the iPhone 6 and iPhone 6 Plus being available in Europe and it is clear that demand has been high for the eagerly awaited new models. In Great Britain, where the new iPhone models started shipping on 19 September, Apple saw its sales share up by 1.7% compared with the same period last year, taking share of iOS to 31%. Across the major European markets, where the new iPhone models were made available between the 19 and 26 September, initial sales of the new iPhone models have overwhelmingly been from existing iPhone owners (87%).

Across Europe’s top five markets, the iPhone 6 has outsold the larger iPhone 6 Plus by five-to-one.

Apple's total market share in the U.S. hit 32.6% during September, which is down 3.3% from the 35.9% market share it held in the year-ago period. In Japan, Apple's market share reached 31.3% in September, which is down 15.9% when compared to the 47.2% market share it held during same time period last year.

In the US, market competition has been reinvigorated with LG and Motorola increasing their shares. The recently launched LG G3 and Motorola Moto X are better positioned to compete with flagship products from Samsung and HTC. Smartphones sales grew 35% over the past year in the US. Despite Apple’s share declining 3 percentage points in the three months ending in September, compared with the same period last year, it is clear that demand for the iPhone 6 has been very healthy.

While the iPhone continues to enjoy a steady market share throughout the world, it also continues to trail Android which holds a 70% or higher market share in many countries. In Italy, the iPhone holds the third most market share at 10.4%, which is behind Windows Phone's 15.2% market share and Android's 71.8% market share.

After five and a half weeks of availability, Apple's iOS 8 operating system is now installed on 52 percent of iOS devices, according to new numbers posted on Apple's App Store support page for developers.

iOS 8's installation numbers have increased approximately four percent over the course of the two weeks, which means adoption numbers are on the rise after several weeks of stagnation. During Apple's October 16 iPad-centric event, Apple CEO Tim Cook said that iOS 8 was installed on 48 percent of devices as of October 13, and before that, the OS was installed on 46 percent of devices on September 21.

The jump in iOS 8 installation numbers follows the October 20 release of iOS 8.1, which brought several new features that undoubtedly enticed iOS users to upgrade, including Apple Pay support, SMS Forwarding, Instant Hotspot, iCloud Photo Library beta access, and the return of the Camera Roll.

iOS 8.1 also addressed several notable bugs that had been present in the operating system for several weeks and that were the source of several user complaints about iOS 8. The update fixed Wi-Fi connection issues, Bluetooth problems, screen rotation bugs, and more.

Apple's own iOS 8 adoption estimates are based on App Store usage and are mirrored closely by data from MixPanel, which puts iOS 8 adoption at just over 54 percent. MixPanel's numbers suggest installation rates have been trending upwards since the release of iOS 8.1.

iOS 8's release was plagued with a number of early bugs that may have scared users away from updating. Ahead of launch, all HealthKit-enabled apps were pulled from the App Store due to a major HealthKit bug, and the fix for that issue, iOS 8.0.1, brought its own bugs, disabling cellular service and Touch ID for thousands of iPhone 6 and 6 Plus users.

iOS 8.0.2 fixed the problems introduced with iOS 8.0.1 and brought several other bug fixes, and with iOS 8.1 fixing even more issues with iOS 8, the operating system is far more stable now than it was in the days following its release.

Apple's VP of iPhone marketing, Greg Joswiak, sat down for an interview with Re/code's Ina Fried and Walt Mossberg this afternoon, discussing iPhone 6 and 6 Plus supply, the flawed iOS 8.0.1 update, Apple Pay, and the Apple Watch.

According to Joswiak, the major iOS 8.0.1 bug that caused many iPhone 6 and 6 Plus users to lose access to both cellular service and Touch ID was caused by the software distribution rather than a flaw in the software. "It wasn't the software itself, it was the way it was distributed, said Joswiak. "We're very sorry."

The iOS 8.0.1 bug surfaced shortly after the software was first released, bricking many iPhone 6 and 6 devices. Apple pulled the update a few hours later, directed users to downgrade to iOS 8, and released iOS 8.0.2 to fix the problem the next day.

On the iPhone 6 and 6 Plus, Joswiak echoed a statement made by Tim Cook during Apple's recent earnings call, saying that while he's not sure which iPhone had higher demand, Apple is selling everything that it makes. According to Joswiak, Apple's goal isn't to sell the most iPhones, but to provide a better experience.

Repeating much of what Tim Cook had to say on Apple Pay and the situation with Rite Aid/CVS, Joswiak commented that retailers aiming to be successful will accept the way customers want to pay. He went on to state that Apple is focused on improving mobile payments for consumers, minimizing the amount of personal data shared and keeping that data safe from hackers.

Some of Joswiak's final comments were on the Apple Watch. When Mossberg implied that the Apple Watch could cost thousands of dollars, Joswiak told the audience that a wider price range allows customers to choose the best option for them.

Update: Re/code has uploaded an excerpt video from Joswiak's interview.

Back in January, we highlighted graphics issues being experienced by a number of owners of 2011 15-inch and 17-inch MacBook Pro models, with many users needing to pay for (sometimes multiple) expensive logic board replacements due to the issue. The apparent widespread nature of the issue has led to claims that it is a manufacturing defect that should be covered by Apple, with a change.org petition seeking relief from Apple now exceeding 20,000 signatures and affected users organizing in a Facebook group of over 5,000 members.

We noted in August that law firm Whitfield Bryson & Mason LLP had begun researching the issue, soliciting feedback from affected users to determine whether a class action lawsuit against Apple might be warranted. The firm apparently found sufficient reason to proceed as it has announced today that it has indeed filed suit against Apple on behalf of affected consumers.

Our firm recently filed a class-action lawsuit in a California federal court against Apple, Inc. on behalf of residents in the States of California and Florida who purchased 2011 MacBook Pro Laptops with AMD GPUs who experienced graphical distortions and system failures.

The firm is continuing to solicit feedback from affected users and is considering filing actions in other jurisdictions around the country.

The lawsuit lays out the plaintiffs' argument that the issues stem from hardware defects related to the lead-free solder used on the AMD graphics chips in the 2011 MacBook Pro models.

When the lead-free solder cracks it degrades the data flow between the GPU and the logic board. A small crack can cause the laptop’s graphics to become distorted on occasion. But as cracks in the lead-free solder propagate over time, the graphics issues worsen and system stability decreases, until eventually the computer is completely unusable. This defect related to the lead-free solder connecting the GPU to the logic board (the “Graphics Defect”) limits all computers at the point of sale forward from performing as advertised and warranted.

The suit goes on to note that Apple's only solution offered for the issue is complete logic board replacement, but that the remedy is ineffective as replacement parts use the same solder and fail in the same way, sometimes within days. Apple has also in many cases charged consumers for the repairs and has refused requests to reimburse consumers for repairs paid for out of pocket.

Drawing parallels to similar graphics issues in the 2008 MacBook Pro that ultimately resulted in a recall by Apple, the plaintiffs in this case request that Apple acknowledge a defect in the 2011 MacBook Pro models, notify owners of the issue, bear the costs of inspection of affected machines, and pay the full costs of repairs and damages. The suit also requests that users who have paid out of pocket for repairs be reimbursed for their expenses.

The Federal Trade Commission (FTC) of the United States today filed a federal court complaint against AT&T, accusing the carrier of misleading its smartphone customers by charging them for unlimited data while reducing their data speeds by up to 90 percent.

According to the FTC, AT&T did not adequately explain to customers with unlimited data plans that they would be throttled if they reached a certain amount of data during a billing cycle. AT&T also did not inform customers of the throttling when they renewed their unlimited contracts.

"AT&T promised its customers 'unlimited' data, and in many instances, it has failed to deliver on that promise," said FTC Chairwoman Edith Ramirez. "The issue here is simple: 'unlimited' means unlimited."

AT&T ceased offering unlimited data plans to customers several years ago, but has allowed Grandfathered customers to retain those plans. AT&T implemented throttling shortly after eliminating its unlimited data plans, initially restricting throttling to only its highest usage customers but later capping data for everyone on an unlimited plan. Currently, customers on unlimited plans are able to use 5GB of LTE data or 3GB of 3G data, after which AT&T throttles their data speeds.

The FTC alleges that AT&T throttled customers who had used as little as 2GB of data beginning in 2011, and that the throttling is severe, "resulting in speed reductions of 80 to 90 percent for affected users." AT&T is said to have throttled 3.5 million customers more than 25 million times, violating the FTC Act in the process.

Update 11:15 AM PT: AT&T has given a statement to MacRumors in response to the FTC's "baffling" complaint, stating that the allegations are "baseless" and that it has been "completely transparent" with customers.

"The FTC's allegations are baseless and have nothing to do with the substance of our network management program. It's baffling as to why the FTC would choose to take this action against a company that, like all major wireless providers, manages its network resources to provide the best possible service to all customers, and does it in a way that is fully transparent and consistent with the law and our contracts.

"We have been completely transparent with customers since the very beginning. We informed all unlimited data-plan customers via bill notices and a national press release that resulted in nearly 2,000 news stories, well before the program was implemented. In addition, this program has affected only about 3% of our customers, and before any customer is affected, they are also notified by text message."