 Well, for more on the Equifax breach and other business headlines, we're joined by Melissa Armo from the Stock Swoosh. Melissa, good to have you with us. Thanks so much for having me today. And Melissa, let's first discuss the way that you think Equifax has handled and is handling the situation. This is like a really big deal. I don't think people realize how big of a deal this is. The Federal Trade Commission is investigating the company, and they have announced that they're investigating the company, which they don't normally do when they're doing investigations. Also, consumers need to, you know, they need to do something and go check their credit. Maybe, you know, sign up for Lifelock. Make sure that they haven't had any fraud in their accounts. Because, I mean, the thing is that people may have already stole their information and be trying to use it on their credit cards. So when you say check your credit, what do you mean by that? Well, you can go and you can get a free credit report, and you can check your credit and make sure that there hasn't been any new credit that you didn't take out. Ranking has changed. No, like if somebody took out a credit card in your name because of the breach. So they stole, they hacked actually 143 million Americans, and some actually people, I think, in the Great Britain and the Canada too, and they stole their information, and they didn't announce it till September. So what happened was, and this is the really big thing while the FTC is investigating it, and they found out in March that there was a glitch in their system that they had to fix for security breach. They didn't fix it in March. Right. And then it was hacked in May. So from May to July, there was the breach, and they didn't even announce it until September. And clearly this is why we're going to see some government action. What do you expect is going to happen? I think something is going to happen that isn't going to be good for the people that knew about it. And this is kind of the thing where you said, well, who knew about it? What? You were talking about the owner. Some people sold their shares, which they announced, and that happened within, I think, a week, the first week after they found out about it. So within, from July to the beginning of August, they sold the shares. They say, well, we didn't know about this at the time. We didn't know about this, and they sold the shares. That isn't good, of course. There's going to be an investigation, and the stock has plummeted. It's gone like straight down. You would expect that it would. Now, Sumer is suggesting that the company offered to freeze people's credit for up to 10 years. He's saying that this is a bigger deal than Enron. I mean, he's really wanting to crack down on Equifax over here. What measures do you think Equifax should be taking to now try and address the situation from the perspective of consumers? There's actually a link. I can email it to you afterwards. You can put it on your website. There's actually a link that people can go to that they can sign up, put in their information to find out if their information was breached. First of all, everyone should be putting that out there. I don't know why they're not putting that out there more. You can go online and do it. In fact, you can just Google it right now. What to do with the Equifax breach, and you can Google it and find out, and you go through, and you fill in the steps, and you find out if you're one of the people that was breached. That's number one. Number two, check your credit. Make sure that there hasn't been any new credit cards or loans taken out that you didn't apply for. To freeze your credit, you're not going to be able to do anything. I don't think that's the best idea. I think the best idea is check your credit, keep up with it, check all your credit card statements, and make sure that there's not been any unauthorized charges, like on your visa bill. But of course this can happen in a matter of weeks, in a matter of months, just because nothing looks suspicious now doesn't mean that that data won't be used at a latest date. You can go online and you can put on an alert. This is not a freeze. You can call up, and you can do it, and it's for 90 days, and it's free. You can do it with TransUnion, Experian, and the Equifax. You do it all free. You have to do it with all of them. And you say, no one's allowed to take out credit in my name unless they give you this password. And you can do it. And you could do it right now for free. Just go online writing those things, and it's free for 90 days. That's better than a freeze. A freeze is not good, because then you're not new to use it. Well, Melissa May is saying, how did this even happen in the first place? And it's called into question the sophistication of the technology used by Equifax, that potentially they haven't been as up-to-date as they should have been. Should there be regulation in forcing companies that have such vital information to be as up-to-speed as possible with the best security technology? Well, I don't know if regulation is going to help out, because they did do what they did do, and they knew there was a problem. They just didn't fix it. It's like one person could have dropped the ball and caused this to happen. You don't know. I mean, a company is run by people. People make mistakes. Should measures be taken that other companies don't have this happen? I'm not a big proponent of tons and tons of regulation in business. I own a business myself. I think if you have a good business owner, you have good management, you have good employees, things like this don't happen. That's what I'm saying. Somebody made a big boo-boo, and it's not good. A big boo-boo, that's an understatement. All right. Thank you so much. Melissa Armo, thank you very much.