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The majority of people in the United States probably have no idea what is contained in the Health Insurance Portability and Accountability Act (HIPAA). Similarly, most people are clueless about the Payment Card Industry (PCI) standards. Despite this, most of us who work in those fields are expected to not only know about them, but understand the security ramifications behind them. This gets to be even more complicated when you have to take into account that a number of the systems that are part of HIPAA or PCI based purchases are connected to the web.
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