I think the issue we have there is that over time we've built an infrastructure that's already in place, so in order for us to change it and invest in other technologies, we still have to bear the burden of those costs. So, for example, we've invested in IVR technology—and I know that Equifax has invested in IVR technology—so you can get a copy of your report by phoning in the centre, authenticating online, and then getting a copy of it by mail. It's processed overnight and it's mailed the next day.
