Ellen Longbow is chief financial officer (CFO) at startup e-commerce firm that sells products popular with college students. She has asked you to do some Internet research on three competing companies which allow credit-card purchases at their e-commerce sites. Prepare the table (or spreadsheet) which summarizes how each site handles the 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 incorporate to facilitate overcoming limits of security, merchant risk, cost, etc.? (d) How do they validate cardholder identities?