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36. C) controlled
37. L) slash
38. M) specializing
39. K) professionals
40. E) forged
41. A) accountable
42. F) incentives
43. B) capacity
44. H) overstated
45. O) subsequently

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46. It is best to use an EMV card for international travel.
H. Some big banks, like Wells Fargo……

47. Personal information on credit and debit cards is increasingly vulnerable to hacking.
B. Swipe is the operative word: …….

48. The French card companies adopted EMV technology partly because of inefficient telephone service.
G. Chip-and Pin cards, by contrast, make fake cards……

49. While many countries use the smarter EMV cards, the U.S. still clings to its old magstripe technology.
C. The solution could cost as little as $2 extra for every piece of plastic issued……

50. Attempts are being made to prevent hackers from carrying out identity theft.
A. A thin magnetic stripe (magstripe) is all that stands between……

51. Credit cards are much safer to use than debit cards.
I. Keep in mind, too, that credit cards typically ……

52. Big banks have been reluctant to switch to more secure technology because of the higher costs involved.
D. Why haven’t big banks adopted the more secure technology? ……

53. The potential liability for retailers using magstripe is far more costly than upgrading their registers.
E. Multiply $3 by the more than 5 billion magstripe credit and prepaid cards…...

54. The use of magstripe cards by American retailers leaves consumers exposed to the risks of losing account information.
F. That leaves American retailers pretty much alone the world……

55. Consumers will be a driving force behind the conversion from magstripe to EMV technology.
O. Credit and debit cards, though, are going to be……