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As you will see in our Industry Risk Report on retail, the payment card industry, or PCI, has a lot to say about how the retail sector manages its information-technology and consumer-privacy exposures. At the heart of this effort is the PCI Security Standards Council, a global forum for data security standards.

Kevin P. Kalinich, co-national managing director of Aon's Professional Risk Solutions unit, put together a white paper titled "Legal Exposures to the Maxx: Insurance for Breaches of Data Privacy and Information Security," which delves into the ramifications of massive TJX hacking and theft incident.