3. Phishing is an industry-wide problem. Organizations may better be able to solve phishing problems or mitigate their consequences by working together.

a. Name and describe three specific industry initiatives that could be created to address phishing problems.

b. Search the Internet for evidence that any of the initiatives you described in part a already exists.

If you find such evidence, explain how your initiative has been implemented. If you do not find such evidence, describe why you think your idea may not have been implemented.