Thank you for having me today and the opportunity to speak to such an important topic.
I think the opportunity for a shared utility that assists the banks in verification of customer information is an outcome that we would like to see achieved in this regime. Again, banks have multiple obligations. We have obligations to collect information. We have obligations to confirm that information and verify it. A registry really helps with latter part of that equation, but in some ways it also may ensure that we have complete information on our customers.