At 1:16 PM -0400 7/8/05, Perry E. Metzger wrote:
>I seem to have gotten that one drastically wrong. Thanks for the
>more accurate figures.

Don't worry. I would bet that identity theft will more than make up for it
soon enough, as transaction settlement times converge to instantaneity.

*That's* potentially *infinite* risk to the *consumer*, which is an
interesting proposition.


R. A. Hettinga <mailto: [EMAIL PROTECTED]>
The Internet Bearer Underwriting Corporation <>
44 Farquhar Street, Boston, MA 02131 USA
"... however it may deserve respect for its usefulness and antiquity,
[predicting the end of the world] has not been found agreeable to
experience." -- Edward Gibbon, 'Decline and Fall of the Roman Empire'

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