I'll answer that.
Firstly, to clarify, if you're a true fraud victim, there's no cost to put a fraud alert on your file at Equifax. So if you're a true fraud victim you can do that for free. I believe that's at TransUnion, as well. So we're not charging people who have been victimized. If you want to take proactive steps, there's legislation, as I mentioned, in Manitoba as well as Ontario, where you can go proactively and put an alert on your file to ask that you be contacted at a certain number before granting credit.
But there does exist a dichotomy between making business function and the ability to earn a living, in terms of the businesses we're in as well as consumers trying to get access to information. At the same time, there are costs associated with it. I go back to the U.S. example where they are entitled to one file per year, per person, at any one of the three bureaus there. There are three bureaus in Canada, Experian being the third one.
In Canada you can access your file for free 365 days a year, so you don't even have to subscribe to a monitoring product. I always tell people to call or mail—call is easier—and you can get your file for free 365 days a year. So, in terms of a monitoring product, I give you that information and access to it.