Agreed. At this point, the only sensible thing to do is to assume that Equifax is -- and perhaps has been -- compromised indefinitely. If not by external agents, then by internal incompetence or malfeasance. They've not clearly demonstrated either the intention or the ability to handle this breach in a diligent, professional, ethically sound way. To me, that calls into serious question their ability to embody those qualities in their operations before the breach as well.