The Equifax hack isn't a spreadsheet problem. It is a real human problem. We’re going to have real people whose identity is going to be stolen and their credit is going to be abused and they're going to have difficulty qualifying for a home loan or a car loan because of the rotten credit score that they're going to have – people who did not even contract with one of the three credit bureaus, but their data is still managed and shipped in ways they can't control. And how has this hack affected Eq