equifax's ceo joins us right now in an exclusive enter view good to have you back. stock went up on the news friday how does it fit in with what you do, consumer credit data >> the combination of count's real scale in e-commerce and the data that they have, they will see 32 billion transactions a day a. massive scale of data combined with equifax's data address this is digital macro or on line macro that was happening precovid and has been accelerating with covid. consume remembers doing more things on their phone, on their tablet and on their computer with that comes the requirement to identify who they are and having more data, their email drais ip address, cell phone number, their ship to address, enhances the predictability of that and reduces fraud. >> is it possible that in five year's time shlg once the transition is complete in fact people will be safer even if we are using digital devices more often than we were five or six years ago, but once the transaction is complete in fact our data will be more secure than it was rather than more exposed as it is curr