our models and logistical work, behind the scenes work that we did to create that three-digit score, that's our own proprietary, digital information, so i think they just didn't want you involved in that way. even though you will be allowed to get a score free of charge if you get turned down, say, for a loan or if you get higher rates on your insurance than you would have gotten if you had a higher credit score, i think that in the future, we will see a time when consumers will get completely free credit scores. there's already some companies out there like credit carma, for example, that are doing this, so regulatory forces, competitive business forces will bring this information to consumers ultimately. >> all right, lynette, that would be great for the consumers if we get to that point. thanks so much for joining us. lynet lynette, ed, we're grateful. from businesses to voters, president obama has a big problem. what, if anything, does he plan to do about it? that's next.