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@@ -301,7 +301,7 @@ the merchant not accepting the particular card issuer.
Traditionally, merchants bear most of the financial risk, and a key
``feature'' of the 3DS process compared to traditional card payments
is to shift dispute {\em liability} to the issuer of the card---who
-may then try to shift it to the customer.
+may then try to shift it to the customer \cite[\S2.4]{3DSsucks}.
%
% online vs offline vs swipe vs chip vs NFC ???
% extended verification
@@ -417,13 +417,15 @@ volatile.~\cite{jeffries_economists_v_btc,lehmann_btc_fools_gold,lewis_btc_is_ju
Bitcoin's pseudononymity applies equally to both customers and
merchants, which makes Bitcoin amen\-able to tax evasion, money
-laundering, and sales of contraband. As a result, anonymity tools
-like mixnets do not enjoy widespread support in the
-Bitcoin community where many participants seek to make the currency
-appear more legitimate. While Bitcoin's transactions are difficult to
-track, there are several examples of Bitcoin's pseudononymity being
-broken by investigators~\cite{BTC:Anonymity}. This has resulted in
-the development of new protocols with better privacy protections.
+laundering, sales of contraband, and especially extorion
+ \cite{NYA:CyberExtortionRisk}.
+As a result, anonymity tools like mixnets do not enjoy widespread
+support in the Bitcoin community where many participants seek to make
+the currency appear more legitimate. While Bitcoin's transactions
+are difficult to track, there are several examples of Bitcoin's
+pseudononymity being broken by investigators~\cite{BTC:Anonymity}.
+This has resulted in the development of new protocols with better
+privacy protections.
\begin{figure*}[t!]
\includegraphics[width=\textwidth]{figs/paypal.pdf}