Interesting proposal from Microsoft regarding digital certificates (containing keys and a variety of other information) that can be moved from one computer to another. A typical marketing response viewing Navigator supports certificates and Explorer doesn't. If certificates really take off, that 80 to 90% of the market that currently uses Netscape is going to be hesitant to switch over to Explorer. Love the name. Aren't personal effects what are left over after they body-bag you or what the the cops call the contents of your pockets after you're busted... Details at: http://www.microsoft.com/INTDEV/SECURITY/BRINK009.HTM