The product offers 12 months of credit monitoring and it offers other indicators, such as a lost wallet: if there's information from their wallet that's stolen or lost, we'll monitor that. We'll also give them alerts. Any time anybody accesses their credit file, they'll be alerted to that fact within that 12-month period. The 12-month clock starts ticking when they subscribe to the product. It's not as of the date of the breach or their letter; it's when they subscribe to the product.
