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<p class="MsoNormal"><span style="font-size:11.0pt">Thanks for the draft letter, David. I ran yours through Llama3 and asked for it in iambic pentameter:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="m-6096402370736724262p1"><span class="m-6096402370736724262s1"><span style="color:black">Dear [Client],</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p2" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span style="color:black"> <o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Attached, a missive from the Patent Office's door,</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Explains a breach of data, a worry to explore.</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Our assessment: minimal risk, we find no fear,</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Nothing can be done; the issue's now unclear.</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p2" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span style="color:black"> <o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">A bug in software caused the breach, they say,</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Unintended exposure of patent applications' way.</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">The PTO describes it thus: small scope, indeed,</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Exposure limited to serial numbers and titles freed.</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Not content disclosed, but metadata's the test,</span></span><span style="color:black"><o:p></o:p></span></p>
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<span class="m-6096402370736724262s1"><span style="color:black">No records kept of who looked, nor what was best.</span></span><span style="color:black"><o:p></o:p></span></p>
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<span style="color:black"> <o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">The breach opened February 5, closed March 29's gate,</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Testing detected error on the eve of fate.</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">The PTO claims commitment to data security's creed,</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Yet this is not the first such breach in recent need.</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p2" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span style="color:black"> <o:p></o:p></span></p>
<p class="m-6096402370736724262p2"><span class="m-6096402370736724262s1"><span style="color:black">Harm may arise if titles reveal invention's core,</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">Specific compounds and treatment indications galore.</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">If you suspect harm from title disclosure's sting,</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p1" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span class="m-6096402370736724262s1"><span style="color:black">The USPTO offers aid, confirming error's ring.</span></span><span style="color:black"><o:p></o:p></span></p>
<p class="m-6096402370736724262p2" style="caret-color: rgb(0, 0, 0);font-variant-caps: normal;orphans: auto;text-align:start;widows: auto;-webkit-text-stroke-width: 0px;word-spacing:0px">
<span style="color:black"> <span class="m-6096402370736724262s1">Sincerely, [Your Name]</span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">-R<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">--</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#212121"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:#941100">Randy A. Noranbrock</span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black"> - </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#212121"><a href="mailto:randy@ipfirm.com" title="mailto:randy@ipfirm.com"><span style="font-size:10.5pt;color:black">randy@ipfirm.com</span></a></span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black"> \u2014
Partner @ Hauptman Ham, LLP</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#212121"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#212121"><a href="http://www.ipfirm.com/" title="http://www.ipfirm.com/"><span style="font-size:10.5pt;color:purple">http://www.ipfirm.com</span></a></span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black"> -
(703) 535-7070 (direct) - (703) 518-5499 (fax)</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#212121"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:#0433FF">Randy A. Noranbrock is admitted in VA and registered to practice before the US Patent & Trademark Office</span><span style="font-size:11.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-family:"Calibri",sans-serif;color:black">From:
</span></b><span style="font-family:"Calibri",sans-serif;color:black">Patentpractice <patentpractice-bounces@oppedahl-lists.com> on behalf of David Boundy via Patentpractice <patentpractice@oppedahl-lists.com><br>
<b>Reply-To: </b>"For patent practitioners. This is not for laypersons to seek legal advice." <patentpractice@oppedahl-lists.com><br>
<b>Date: </b>Wednesday, May 1, 2024 at 9:13\u202fAM<br>
<b>To: </b>"For patent practitioners. This is not for laypersons to seek legal advice." <patentpractice@oppedahl-lists.com><br>
<b>Cc: </b>David Boundy <DavidBoundyEsq@gmail.com><br>
<b>Subject: </b>Re: [Patentpractice] Interesting notice from USPTO re data breach<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p><strong><span style="font-family:"Aptos",sans-serif;color:red">[EXTERNAL SENDER]</span></strong><span style="color:red"><o:p></o:p></span></p>
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<p class="MsoNormal"><b>Question 1.</b> The data breach re "where you sleep at night" was just under a year ago. Are there others? Can we come up with ohters so we can write a letter to Vidal and the Inspector General complaining of a
<b><i>pattern</i></b> instead of a single instance?<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b>Question 2.</b> Here's a draft letter -- any refinements?<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="color:black">Dear [client]:<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="color:black">The attached letter from the U.S. Patent Office explains a data breach into the Patent Office's computer systems. Our conclusion is that the risk is minimal, and nothing can be done.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="color:black">Because of a bug in the PTO's software, the serial numbers and titles of patent applications that should have been maintained confidential may have been exposed to unauthorized third parties. This is not the
typical kind of data breach involving an external attacker; this is a programming bug in which the Patent Office mis-set the switches to protect data that should have been protected. As the Patent Office describes it, the breach is likely small \u2013 it would
only have occurred when a third party made a database query that would have included your patent application, and the data exposed would only have been the serial number and title of the patent application, not the remainder of the content. The Patent Office's
access logging does not record who looked at what when, so there is no way to know whether any of your applications are among those exposed, and if so, to whom.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="color:black">The Patent Office's letter explains that the breach was open from February 5 to March 29. The letter explains that the Patent Office's testing did not detect or confirm the error until March 28, and the breach
was closed March 29. The letter explains that the Patent Office is "committed to data security" but this is the second such data breach in the last year.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><br>
The only likely situation in which we could see genuine harm is where the title reveals the invention, for example, where the title names a specific compound and its treatment indication. If you believe there could be harm in revealing the title of any of
your specific patent applications, the PTO offers that "the USPTO will assist applicants by confirming that the the disclosure was erroneous and inadvertent."<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">On Sun, Apr 28, 2024 at 5:40<span style="font-family:"Arial",sans-serif">\u202f</span>AM Dan Feigelson via Patentpractice <<a href="mailto:patentpractice@oppedahl-lists.com" target="_blank">patentpractice@oppedahl-lists.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal"><span style="border:solid windowtext 1.0pt;padding:0in"><img border="0" width="1" height="1" style="width:.0104in;height:.0104in" id="_x0000_i1027" src="cid:~WRD0005.jpg" alt="Image removed by sender."></span><o:p></o:p></p>
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<p class="MsoNormal">I got the following in one of my cases. Supposedly posted yesterday (Saturday, April 27)<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b>Notice of Potential Erroneous Release of Patent Application Titles</b><o:p></o:p></p>
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<p class="MsoNormal"><br>
On February 5, 2024, the United States Patent and Trademark Office (USPTO), replaced the Electronic Patent Assignment System (EPAS) and Electronic Trademark Assignment System (ETAS) with Assignment Center.<br>
<br>
Between February 5, 2024 and March 29, 2024, the USPTO, unintentionally, through a computer programming error, permitted bibliographic information to be viewed by unauthorized individuals with access to registered Assignment Center accounts. This bibliographic
information was limited to the application number (the two-digit series code plus the six-digit serial number) and title of the invention.<br>
<br>
You are receiving this notification because your application \u2019spatent title may have been viewed during that time frame by individual(s) who lacked permission to do so . The software error was first reproduced by USPTO on March 28, 2024, and was corrected on
March 29, 2024. Only application numbers and titles were disclosed; it is important to note that your specification and claims were not part of the information made available and were not accessed.<br>
<br>
Any improper access of the application information between the dates of February 5, 2024 and March 29, 2024, is not considered a publication of such applications under 35 U.S.C. 122(b). No rights in United States patents are threatened by the access to unpublished
applications. It is extremely unlikely that the title could disclose the invention in a way that would constitute patent- defeating prior art in any jurisdiction. To the extent any issue is raised, the USPTO will assist applicants by confirming that the disclosure
was erroneous and inadvertent.<br>
<br>
We\u2019re committed to data security and are taking enhanced steps to prevent incidents such as this from happening in the future. The USPTO sincerely regrets this error and is instituting more testing controls, both manual and automated testing, to prevent similar
processing errors in the future.<br>
<br>
Inquiries regarding this matter may be directed to Mark Polutta, Senior Legal Advisor, at (571) 272-7709 or Andrew Stclair, Legal Advisor, at (571) 270-0238, both of the Office of Patent Legal Administration or via email addressed to ugPto.gov.<br>
<br>
Henry \u201cJamie\u201d Holcombe<br>
Chief Information Officer<br>
US Patent and Trademark Office<br>
Office +1 (571)272-9400<br>
<br>
Dated: April 27 th , 2024 <o:p></o:p></p>
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<span style="font-size:9.0pt;font-family:"Open Sans",sans-serif;color:#667FA0"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.iam-2Dmedia.com_strategy300_individuals_david-2Dboundy&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=BqR0VQUVXErbEwFKisVgSVuzZx0HbJxwEUTNLj3Tx2Q&m=TQXq8ksbqrYCVdt9GgcuLTSIxYOQZWXWZtjPwQ8sai2Y1FLcztSfZztdAbM8kH8r&s=tl8x46maT4_yVNoblt16kDpHWPiA_bupnvbPEEt0ykQ&e=" target="_blank"><span style="color:#667FA0;border:solid windowtext 1.0pt;padding:0in;text-decoration:none"><img border="0" width="73" height="92" style="width:.7604in;height:.9583in" id="_x0000_i1026" src="cid:~WRD0005.jpg" alt="Image removed by sender."></span><span style="color:#667FA0;text-decoration:none">
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<p style="margin:0in;text-align:start"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#606E9A">David Boundy </span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#7C869A">| Partner <span style="background:white">| </span>Potomac Law
Group, PLLC</span><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:#323130"><o:p></o:p></span></p>
<p style="margin:0in;text-align:start"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#7C869A">P.O. Box 590638, Newton, MA 02459</span><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:#323130"><o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:10.0pt;font-family:Helvetica;color:#7C869A">Tel (646) 472-9737 </span><span style="font-size:10.0pt;font-family:Helvetica;color:gray">|</span><span style="font-size:10.0pt;font-family:Helvetica;color:#7C869A"> Fax:
(202) 318-7707</span><span style="font-size:10.0pt;font-family:Helvetica;color:#7C869A"><o:p></o:p></span></p>
<p style="margin:0in"><u><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#0C64C0"><a href="mailto:dboundy@potomaclaw.com" target="_blank" title="mailto:dboundy@potomaclaw.com"><span style="color:#FE46A5">dboundy@potomaclaw.com</span></a></span></u><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#0C64C0"> </span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#7C869A">| <u><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.potomaclaw.com&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=BqR0VQUVXErbEwFKisVgSVuzZx0HbJxwEUTNLj3Tx2Q&m=TQXq8ksbqrYCVdt9GgcuLTSIxYOQZWXWZtjPwQ8sai2Y1FLcztSfZztdAbM8kH8r&s=hsFzgUicqG6ZuAtiGmRTB26DBdLFwWDIcdQs-rGp2pI&e=" target="_blank" title="http://www.potomaclaw.com/"><span style="color:#0C64C0">www.potomaclaw.com</span></a></u></span><span style="font-size:10.0pt;font-family:Helvetica;color:#7C869A"><o:p></o:p></span></p>
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at http://ssrn.com/author=2936470</a><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.keynect.us_requestCardAccess_USA500DBOUN-3F&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=BqR0VQUVXErbEwFKisVgSVuzZx0HbJxwEUTNLj3Tx2Q&m=TQXq8ksbqrYCVdt9GgcuLTSIxYOQZWXWZtjPwQ8sai2Y1FLcztSfZztdAbM8kH8r&s=57-Usnz2h443xBvQRaPpagHcDB2zbDbQ32urMwgmuuk&e=" target="_blank"><span style="color:windowtext"><br>
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<span style="font-size:9.0pt;font-family:"Open Sans",sans-serif;color:#667FA0"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.iam-2Dmedia.com_strategy300_individuals_david-2Dboundy&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=BqR0VQUVXErbEwFKisVgSVuzZx0HbJxwEUTNLj3Tx2Q&m=TQXq8ksbqrYCVdt9GgcuLTSIxYOQZWXWZtjPwQ8sai2Y1FLcztSfZztdAbM8kH8r&s=tl8x46maT4_yVNoblt16kDpHWPiA_bupnvbPEEt0ykQ&e=" target="_blank"><span style="color:#667FA0;border:solid windowtext 1.0pt;padding:0in;text-decoration:none"><img border="0" width="73" height="92" style="width:.7604in;height:.9583in" id="_x0000_i1025" src="cid:~WRD0005.jpg" alt="Image removed by sender."></span><span style="color:#667FA0;text-decoration:none">
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<p style="margin:0in;text-align:start"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#606E9A">David Boundy </span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#7C869A">| Partner <span style="background:white">| </span>Potomac Law
Group, PLLC</span><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:#323130"><o:p></o:p></span></p>
<p style="margin:0in;text-align:start"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#7C869A">P.O. Box 590638, Newton, MA 02459</span><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:#323130"><o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:10.0pt;font-family:Helvetica;color:#7C869A">Tel (646) 472-9737 </span><span style="font-size:10.0pt;font-family:Helvetica;color:gray">|</span><span style="font-size:10.0pt;font-family:Helvetica;color:#7C869A"> Fax:
(202) 318-7707</span><span style="font-size:10.0pt;font-family:Helvetica;color:#7C869A"><o:p></o:p></span></p>
<p style="margin:0in"><u><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#0C64C0"><a href="mailto:dboundy@potomaclaw.com" target="_blank" title="mailto:dboundy@potomaclaw.com"><span style="color:#FE46A5">dboundy@potomaclaw.com</span></a></span></u><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#0C64C0"> </span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#7C869A">| <u><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.potomaclaw.com&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=BqR0VQUVXErbEwFKisVgSVuzZx0HbJxwEUTNLj3Tx2Q&m=TQXq8ksbqrYCVdt9GgcuLTSIxYOQZWXWZtjPwQ8sai2Y1FLcztSfZztdAbM8kH8r&s=hsFzgUicqG6ZuAtiGmRTB26DBdLFwWDIcdQs-rGp2pI&e=" target="_blank" title="http://www.potomaclaw.com/"><span style="color:#0C64C0">www.potomaclaw.com</span></a></u></span><span style="font-size:10.0pt;font-family:Helvetica;color:#7C869A"><o:p></o:p></span></p>
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at http://ssrn.com/author=2936470</a><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.keynect.us_requestCardAccess_USA500DBOUN-3F&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=BqR0VQUVXErbEwFKisVgSVuzZx0HbJxwEUTNLj3Tx2Q&m=TQXq8ksbqrYCVdt9GgcuLTSIxYOQZWXWZtjPwQ8sai2Y1FLcztSfZztdAbM8kH8r&s=57-Usnz2h443xBvQRaPpagHcDB2zbDbQ32urMwgmuuk&e=" target="_blank"><span style="color:windowtext"><br>
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