________ thwart replay attacks by ensuring "freshness" using cutoff values

Office Depot is a click-and-mortar company. Which of the following is LEAST likely to be an advantage that Office Depot has over click-only competitors?

A) Office Depot is a known name with greater financial resources. B) Office Depot has a large, established customer base. C) By offering online marketing, Office Depot offers customers more options. D) Customers can find a local store and check its available stock online. E) Office Depot focuses on large accounts through its online presence and small businesses through its retail stores.

Which of the following is an example of a financial innovation introduced to avoid regulations?

A) Securitization B) Junk bond C) Debit card D) Sweep account