Thanks you very much, Scott. I'm afraid that wraps up your time pretty much.
I think we have adequate time to get to our votes, but first there is one point of clarification I'd like from your testimony, Ms. Frook.
There is a growing sense that the public has a right to know if their personal information has been compromised. There is talk about a duty of notification in legislation that's pending. In your testimony you said that it is your policy to notify the individual, and not the Privacy Commissioner and not the credit bureau, if their identity has been compromised or if there is fraud taking place in their account.
Our understanding is that it's not the case. My credit card can be compromised and you'll fix it and make me whole, but I will never know about it.
Is it the policy of your bank that you tell every victim of identity theft that their personal information has been compromised?