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These attacks against information resources are a significant threat to our economic base and our national security . We have also seen the progress of E-commerce be impeded in recent years over concerns for the security and integrity of transactions , with probable significant impacts on our economic expansion and competitiveness . Since our 1-year-old daughter , Olivia , is too young to tell us when she 's sick , these warnings from other parents help us prepare for the arrival of our old friend , the cold and flu bug . Our strong view is that the risk-based approach described in this proposal is clearly preferable to the existing regime which imposes very specific requirements which might not be appropriate for all institutions or types of products . My husband Steve and I have a morning ritual with our 1-year-old daughter , Olivia . The historic and increasing importance of higher education to our economic wellbeing makes this a policy area where we must succeed . Admittedly , the private business sectors were brought in early on as we intensified our economic cooperation . " " Leading portals across the globe are constantly looking for compelling content that will bring customers back to their sites time and again and our expansive catalog of casual games was designed to deliver , " said Marco Menato , Vice-President , Consumer Services Europe . We are not asking for a bailout , just your leadership in recognizing a major problem and its tremendous impact on our economic stability and jobs . Implementation of these measures would create severe administrative costs and burdens for reporting entities and it is our strong view that banks should have the flexibility to implement verification procedures they believe appropriate after taking into account the risk involved in any given situation . It is our strong view that a risk-based approach is extremely important in managing the implications ( and the costs ) of client record-keeping / identification and the third party / beneficial owner determination requirements . " My Studio continues our strong heritage of systems furniture research , innovation , and problem solving . Our economic-social development has really increased the demand for electrical power .