The intent of sharing information is to help us prevent as much fraud as possible. I think this would be the same for Equifax. We have multiple layers of fraud detection as it relates to financial services. Whether it's the device you're logging in to, the information you put on your application, or the authentication questions we ask you, the more information we have and store in our data warehouse, the better we're able to prevent the problem from happening.
In terms of sharing that information—this goes back to the point Carol raised—there are very strict requirements that we have in terms of who we share information with, and the background checks that we do on those organizations when we do share information. When we present the information to those institutions, it's not just a flat file of that credit bureau. It could be an answer of yes or no. So I understand the double-edged sword you're referring to.
We take data management very seriously, both organizations. So the question is, at what point do you stop sharing? The view, based on the amount of data we have and the amount of fraud that exists out there, is that there's still much more work for us to do, and access to that information to prevent fraud becomes incredibly important.