On CNET news.com, the popular Internet site of CNET Inc., columnist Tim Clark has been continually skeptical about SET-not just the effectiveness of such a security standard, but the need for it. On Nov. 9 he posted a challenge to his readers, excerpted here with permission.

Visions of dollar signs are dancing in the heads of on-line retailers and e-commerce analysts, salivating at their expectations that this will be the first true Internet Christmas.

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