Today, we are an established leader in identity intelligence, with solutions and capabilities that build upon and extend our initial emphasis on identity fraud. Our achievements in identity intelligence introduce immediate visibility about individual identities. For example, we now assess creditworthiness of individuals with little or no credit history. And that leads to business decisions that result in increased revenue potential, cost savings, and enhanced brand equity. Moreover, we expect the growth in social networking, technology advancements and broad data access will only increase the business- and consumer- need to manage identity risk and increase identity insight.