Ellen Longbow is chief financial officer (CFO) at the startup e-commerce firm which sells products popular with college students. She has asked you to do some Internet research on three competing companies which permit credit-card purchases at their e-commerce sites. Prepare the table (or spreadsheet) which summarizes how each site handles following issues: (a) what information does each site need before permitting you to use credit card? (b) What steps should you go through to complete transaction? (c) What features do they include to facilitate overcoming limits of security, merchant risk, cost, etc.? (d) How do they validate cardholder identities?