The other thing I'd like to ask about pertains to credit scores. One of the things the financial institutions don't take into account when they're doing credit scores is mortgage payments. People can have a perfect history on mortgage payments, but a couple of times late on their credit card and they'll have a terrible credit score. Then they get taken advantage of by financial institutions.
This isn't fair. It seems to me that as a federal government, as an advocacy commission of the federal government, we should be doing more for these people. They're being exploited by the financial services sector. And these are not the people who complain. They're generally not going to be on the Internet, and they're not going to be coming to your organization, but I still think we should be proactively protecting them.