Thank you, John.
Many of our consumers, as Mr. Russo said, are coming to us because they're denied credit, victims of fraud. Most of our conversations with consumers are really around credit education. We explain to them how credit works in Canada, how the credit score works, how to improve your credit, what affects a credit score. Our primary role, really, is consumer education. As John mentioned, Canadians can access their credit file for free, unlimited times throughout the year. There are many ways they can get it. They can visit one of our Equifax offices across the country. We have an automated telephone line that's available 24-7 to consumers. They can send their request in writing, and we'll be able to provide them a copy of their credit file.
As John also mentioned, there's an alert that can be added to their credit file. We encourage the non-impacted Canadians, if they are afraid or concerned about their credit, to take these steps in order to protect themselves.