That leads into my next question because, Mr. Fisher, you mentioned free credit monitoring. We had the credit agencies here. I think they're the front line, and they'll say, “No, we're kind of the front line, but the banks are the front line.” Who is the front line on raising the red flag?
On the free credit monitoring that you mentioned, Mr. Fisher, I just want to dive a little bit into the role of the credit agencies and the relationship with the banking industry.