On Mon, Aug 13, 2001 at 01:14:10PM -0400, Trei, Peter wrote:

other groups which can apply pressure than lawyers, courts and Men with Guns. Auditors and insurance companies come to mind. Schneier has noted how improvements in safe (as in a secure metal box) technology was driven not by losses, not by customers, nor by lawsuits, but rather by insurance requirements.

Minor note: I'd argue that insurance requirements, in a free market, are in the end driven by losses or prospective losses. -Declan