"When U.S. courts ruled more than a decade ago that consumers
weren't liable for fraudulent use of their credit card numbers
after the first US$50, credit card companies--which were left
holding the huge bill--took notice and dove into fighting fraud and
"That's the same approach needed now in the software industry to
help drastically improve IT security, according to Bruce Schneier,
a security expert, author and CTO of U.S.-based enterprise security
vendor BT Counterpane..."