I also think it's an excellent question, one that legislators don't just worry about but we all worry about, in terms of how many rules and how much of a framework we want in order to operate.
I look at it this way, that at the end of the day, in this space that we're talking about--e-business, e-commerce, the digital economy--you have some really fundamental things. Privacy is one. Security of information is another, as is identity, in terms of knowing who it is you're interacting with, having a sense of confidence that it is the person or the service you believe you're interacting with, that it's accurate. There are many things we can do to apply good practice to ensure that we have good identity in place--people are registered, we know who they are, we have the right devices to assure us they are who they say they are.
At the end of the day, what we have to do is to have enough collaboration among us all to have a set of rules we can all work with that will generate trust. I think it's the trust model that will allow electronic commerce. Forget the digital payments and mobile payments. In the whole movement of information with a high level of confidence, it's that trust model that's core--to me anyway. I think it's the core of what many of us have said.