A service online that limits communication risk.

Consequence: Because of information sharing, communications take on new consequences that may affect individuals' livelihood and privacy.

Convention: Communications functions in agencies are typically assigned to a specialist. This person works with guidelines and maintains external awareness, and the implementation of policies for publishing and collecting agency related information. For individuals, this activity is without convention and at large exposes vast numbers of people to communication risk.

In a public system of shared representation, the historical record is unchangeable. For individuals, there is historically a risk of bad representation.

So 2 problems arise for individuals when entering a system of shared information that is directly related to short and long term consequences. In the short term problems in communication execution and delivery must be solved, and in the long term consistency of representation and record.

To continue the challenges faced, there are international communications involving new languages where accuracy must be assured and if possible some cultural consistency. For agencies this is addressed with a specialist but for individuals, without solution.

Reality: There is without structure or resolution the conflict of sharing between individual private communications and social networking, and public records that agencies and corporations use to enage in information discrimination.

Information discrimination is a violation of individual right to privacy and mechanically is the use of information related to an individual and the creation of context without that individuals' permission. In example, an employer could view a myspace or facebook account and based on that information terminate or cancel obligations with that person. Without regard to authenticity, permission or context; there is a risk in every communication to create a wrong result.

The internet is a powerful technology but affords benefits in very assymmetric ways to agencies and individuals.

Many financial services agencies function to both limit and reduce risk. The marketplace for these services shows a demand for 3 basic forms: information delivery, public decision making or management, and third; private decision making or management.

In the first case, timely information may be provided about financial markets, with decisions left to individuals and agencies. There are products and services that go further and sell decisions or management as well. In the second case, financial instruments may be designed and sold using public information as the basis for any changes in value. In the third case, instruments may be purchased or services used whose decision making and method is private.

The role for computers in financial services and management is manifold, but adding the internet, there is a new variable that makes life more difficult for some people. Specifically people who seek credibility and who are compensated generously because of their credibility. For some individuals, their credibility may directly influence their potential for wealth. The internet is in direct confrontation with this potential by demonstrating at the beginning an immediate risk to credibility.

In principle there is fundamentally a break in truth. The first type in principle provides truth to the extent it can be provided. The second type uses public information which regardless of truth is considered fair. The third type of trust instrument being in the form of a service, negotiation or obligation is based on private information.

To make a further analogy to truth systems and combinations we typically find in our daily world there are differences between faith, belief and trust.

As a business proposal an agency or third party offering communication filtering could be automated, mediated or certified. As a virtual counselor in your communication activities, the results may be communicated without watermark and with individual authenticity, they may be co-branded, or they may be done entirely on behalf of the client, certified and fully aliased. Putting together the benefits of automation and human experience, with a flexible axis of privacy gives individuals the most choice in selecting how to best improve every communication.

Such a system of enhanced communications must be hardened to penetrations and violations of trust and privacy. The design of the concept itself must make it withstand assault by the prevalent social order by assuring the individual identity.