Similar to our U.S. consumer offering, as you heard from our interim CEO, Paulino Barros, by the end of January, with this service, consumers will have greater control of their information.
For example, if I have a mobile device and I want to lock my credit file, the functionality would be that until I unlock it, a bank, a car leasing company, or a landlord could not access that information. If I'm applying for credit, I can turn it back on at my fingertips, easily, in seconds, so a bank can access and adjudicate me for credit because I'm the individual who wants that credit.