Maybe I could also add that what we want to have is one channel that is universally acceptable and can be accessed, and that is the mail. Not everyone has access to a computer, and when you discover that you think you might be compromised, you probably have access to a phone. So notifying us immediately over the phone, and getting your report within 48 hours, is a very good solution because if we put everything on the Internet, what about the folks—and particularly those on reserves—who may not have access to the Internet? So really, the mail—that's the free one—does provide universal access. But I do hear what you're saying, and it's a matter of an evolving business model for us to add alternate channels in a cost-effective way.
On May 27th, 2014. See this statement in context.