Yes, I'll respond. I'll just add a few nuances to Ms. Banfield's message.
First, in Canada, at Equifax you can receive that via a walk-in centre, as Ms. Banfield noted. You can also receive your credit report over the phone in a couple of days, again with the IVR process, as well as over the Internet for a small charge.
As Ms. Banfield noted, in the U.S. it's one file per year per individual. After that you have to pay. Here you can access your file every day, 365 days a year, and the infrastructure we built accommodates that, the mail-in requests and everything. We bear those charges in terms of the letters, envelopes, and stamps that have to go to these individuals as part of the verification process and the security processes that go into place to make sure that we're sending the right credit file to the right person.
I won't reiterate what Ms. Banfield said. She gave you a brief history of the legislation.
Thank you.