Ti	=	Problem
0.sec	=	Transacting is slow, insecure, uncertain and expensive.
1.sec	=	Problems of payment, clearing, automation and interoperability are being addressed by the FinTech and open source communities, notably in blockchain implementations.
2.sec	=	Legal compliance and optimization remain slow, uncertain and expensive.
3.sec	=	Data privacy and security remain weak.
4.sec	=	Centralization creates systemic risks.
5.sec	=	Legal codification is slow and fragmented.
	=	[G/Z/ol/s5]