Markus Jakobsson, Ph.D., is currently principal scientist at Palo Alto Research Center and an adjunct associate professor at Indiana University. The coauthor of more than one hundred peer-reviewed articles and co-inventor of more than fifty patents, Markus studies the human factor of security and cryptographic protocols with an emphasis on privacy. Zulfikar Ramzan, Ph.D., is currently a senior principal researcher with Symantec Security Response. Coauthor of more than fifty technical articles and one other book, Zulfikar is a frequent speaker on his areas of expertise: theoretical and practical aspects of information security and cryptography.