Authentication of time cards will be early use. Baum on liability issue raised by Merrill. Mastercard and Visa move it internally in terms of limiting liability. Merrill, let the market decide. Caldwell is doubtful.
Suitable guarantee is different issue.
Utah does relate the suitable guarantee to the reliance limit, but there is not universal agreement as to that issue. Dan Greenwood wrapped up the call. I'm watching everyone get great value from this conversation. We should do this again on the web where everyone is virtual, between meetings. How do we solve the problem of ensuring that a Utah-licensed CA can get at the data.