Thank you, Mr. Chair.
Welcome, guys. It's a very interesting panel we have this morning.
I want to go back to Laurie's question about credit alerts and credit monitoring, just to dive into both.
I'd like TransUnion to jump in on it too, because I think you mentioned as well that you have a fraud alert system, so I assume they're similar.
Is it fair to say that TransUnion and Equifax are the front line when fraud is about to happen to an individual? Would you say that you guys would be the first ones to be able to flag that an individual's credit is being used fraudulently? Is that a fair statement?