Thank you, Mr. Chair.
I'd like to thank you folks for being here.
Susan, I'd like to dive into a little bit of what you mentioned near the end of your presentation, about the credit reporting agencies themselves. I think they probably can be an early warning system if someone's identity is being compromised. I think the role they play in helping consumers protect their identities is crucial. Most of us don't go looking for our credit scores or our credit history until after the fact, until after something happens.
How can we engage them? They will be witnesses here as well. What kind of questions...or how do we engage them? What kind of role do you think they could play here? Perhaps you could elaborate a little bit more on these credit reporting agencies and how they could help detect early on if someone's identity was potentially being compromised.