Governments and business groups are grappling with the question. One of the most troubling things about Internet commerce is that you don't see the people with whom you are doing business.
Business is based on trust, and commercial trust is based on a regulatory framework.
The closer one is to purchase, the more human interaction is needed,'' says Schoeman Rudman, director of network computing for IBM's global insurance industry unit. He calls it the ''fingers around someone's neck'' impulse. Cyber-necks are elusive on the electronic frontier, but questions about them abound. Governments have other shortcomings. They have to deal with each other to make international regulations stick, but differ among themselves as to who controls what.