That's the reason we're following our U.S. counterpart in terms of the lock and unlock feature of the credit file that we're rolling out next year for all Canadians in addition to the credit monitoring, where you have alerts and triggers to notify you every time somebody has touched your file. I always say to clients and consumers that it's like a fingerprint. Any time anybody touches your file, they leave a fingerprint. That's the monitoring.
The unlock and lock ability would give the consumer control over who accesses their credit file. Nobody would have access if you turn off that feature, and then, when you go for a loan at the bank, you could turn it back on. You control your personal information as a consumer. That's why we're proactively looking to launch that in Canada in the new year. That affords consumers protections, as well as the alert, as I mentioned, that stays on your file for six years that notifies any credit granter who accesses your credit information that you've been impacted, and you want them to call you at a certain number, perhaps your mobile telephone, before granting credit. Those are all steps that a consumer can take to be vigilant to look out for identity thieves.