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@@ -196,7 +196,8 @@ provided by TLS is at best questionable.}
by authenticating against the customer's bank,
often on a Web site that is operated by the payment
processor and {\em not} the customer's bank. Figure~\ref{fig:cc3ds} in the
-Appendix shows a typical card-based payment process on the Web today using the
+% FIXME why "..on the Web today using.." and not just "..on the Web using.."
+Appendix shows a typical card-based payment process on the Web today using the
UML style of the W3c payment interest group~\cite{pigs}. Most of the details
are not relevant to this paper, but the diagram nicely illustrates the
complexity of the common 3-D secure (3DS) process.