No, their settlement with the FTC calls for a $31 million CASH pool of money to pay out to people affected. This is not for "paying" for credit monitoring. Let

No, their settlement with the FTC calls for a $31 million CASH pool of money to pay out to people affected. This is not for "paying" for credit monitoring. Let's assume 20 million people have already made a claim against that $31 million. So they expect checks to be about $1. So they're offering 10 years of credit monitoring instead of getting a check for $1 without credit monitoring.