In Canada, since the birth of credit agencies, the law requires us to have offices in certain provinces. Thus we have an infrastructure that allows a consumer in Nova Scotia, for example, to go to a TransUnion Canada office to get a credit report. Because of these legal requirements, we must have an infrastructure that supports the offices we need to have in various places in Canada.
Furthermore, as Mr. Skinner stated, we are investing in telephone technologies such as interactive voice response systems. For example, people will no longer need to send proof of identity through the mail, they could simply go through an authentication process over the phone and receive their credit file through the mail.
You have the example of the United States. In 2005 or 2006, the Fair and Accurate Credit Transactions Act was passed. Under its provisions, American consumers have the right to consult their credit file once a year and the selected means is online access.
For our part, we already have an infrastructure that we need to support since the beginning of the 1990s, when these laws were adopted in most provinces. Things have evolved slightly differently here.