Everyone thinks they are creating secure systems, but as long as there are criminals they will find security leaks. There is no such thing as a secure system.

There must be a self-regulatory process for the big players, with internal rules, as that is efficient. However, self-regulation is not enough--you need both legislation and self regulation.

If a country is running a huge case, it's often the last thing to think that another country might have a similar issue.

If you buy a car, a warranty is normally in place. I think users should expect the same online. If users use a service like Yahoo this service should offer a certain level of security, which Yahoo does offer — it's a question of if users are using it. The big players have dozens of advice lists, but the question is whether users are looking at the pages.