Thanks for using the wonderfully evocative phrase "Penumbra of Fear". Googling the phrase led me to read "Terms of Service" (http://projects.aljazeera.com/2014

Thanks for using the wonderfully evocative phrase "Penumbra of Fear". Googling the phrase led me to read "Terms of Service" (http://projects.aljazeera.com/2014/terms-of-service http://projects.aljazeera.com/2014/terms-of-service), a great read. And yes, as someone working in the highly regulated finance industry, I know from personal experience that complex laws directly create a penumbra of fear you can't ignore.