Those are great. Thanks for posting a very clear summary of two important points. It seems to be very hard to find and define on your own. Too bad they didn't

Those are great. Thanks for posting a very clear summary of two important points. It seems to be very hard to find and define on your own. Too bad they didn't make the same thing for credit card transactions, which are almost, and becoming more so, part of our anatomy. (Will the rules change if they are (injected chips, for instance.)