Chris, I read somewhere you wrote that users of epassporte should exercise the same caveat-emptor discretion and care when using the card as they do when using cash. I'm sure many people are having a hard time divorcing the electronic "transaction infrastructure" from the expectation that the provider of that infrastructure will, essentially, protect them from their own fuckups and lapses of judgement. I expect that posture towards electronic commerce will be unpopular among those who make a lot of money providing "fool's insurance", as well as payments infrastructure. My question is, what plans does epassporte have to further "get out of the way" of the transactions and allow transactors to seek accountability, culpability and legal redress between themselves and not hold the 3rd party liable? I'm especially curious about your consumer-oriented marketing plans.