Could you tell us more about Equifax? As Mr. Sutherland said, it is complicated. I would like you to be very clear about what is being offered to people. First, do the students need to make a request? What do they get? Who pays for what? What types of services are we talking about? Is it just a notation on their credit files, or do you have a surveillance and oversight system in place? Could you make this clear for me and everyone here today?
On February 14th, 2013. See this statement in context.