Every single person in the United States—with the exception of those that were born, say, a month ago (and it’s only a matter of time)—has had their PII data leaked. Between the many breaches, everyone, and I mean everyone is exposed, and should have their credit frozen. Those Change Healthcare letters we are getting are part of this. But before those, there was AT&T, T-Mobile, the many banks, the many others. An almost endless list. Did I say you are exposed? Because you are!