Okay, on the costs for those alerts, the credit monitoring, the consumer has to bear that particular cost. Is there a way that we can change the legislation? You referred to the legislation's saying we have to provide a mailed copy. Should we look at changing the legislation to give the consumer more free credit monitoring, for example, if we took away some of the legislation restrictions on mailing and that sort of thing?
Have either one of you thought about what changes need to be made to the legislation so that you could do more on the free end of things that wouldn't cost you as much?