credit report you could go online you could go online you could just google experian transunion and equifax all three of them provide you free copies of your credit report is it written in a way lourdes that i can understand r is it written in the financial argon that i'll be sitting there saying "what i don't get it?" well i think... cause that's the hard part right no you're absolutely correct i think that the credit card companies are really working towards making it user friendly do they want us to understand? i believe they do i believe they do but i also believe that people that are putting together these reports are not necessarily the people on the receiving end but if you don't ask for them there's nothing to read but you right correct have to be... what you're really saying is you have to be proactive and protect absolutely yourself as best you can absolutely you do you do and running a credit report you know i was saying twice a year maybe you want to do it once a quarter it's inexpensive and you know what? it's gonna protect you tay on top of it i gotta ask you absolutely before

also a security agreement governing equifax, we agreed with that. we'll complete that. of the 2 technical recommendations, we've done 19. the others we're reviewing. i'll be happy to do something in writing back to the chairman, and to the -- >> i think we both would proesht it. gentleman from north carolina. >> i wanted to follow up on one thing, miss tavenner. and it really, as we start to focus on some of these other issues, it takes our eyes off of the core issue. and that's what the ranking member was talking about, is providing health care, really, to the american public. and that's your primary responsibility. i can tell that you take that seriously. it is a distraction, to say the least, when we have a billion dollars spent on a website that doesn't work, security issues that are there. but along that same time, there was a rule that came out with regards to medicare part "d" in january. that -- a rule that would really limited some of the options of our seniors. a rule that you came, much to your credit, and said, we're not going to do. and i want to say thank