notes https://sf.tradepub.com/c/tpdownloadpage.mpl?p=w_wile306&w=d&email=Lee.gilbert@equifax.com&key=lli63K2dh6NYNfKz4O4W&ts=41847&u=1032460361061575597995&e=TGVlLmdpbGJlcnRAZXF1aWZheC5jb20=&first=Lee&o2dt=84&o3dt=10&i2dt=59&cs=D10K&utm_medium=email&utm_source=transactional&utm_campaign=tku-flow&utm_content=tku-email&utm_term=DL-title&secure=1