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43. A reason for the growth in business-to-consumer (B2C) e-commerce is that online B2C shoppers have the ability to design a. a. standardized b. universal product. c. generic d. personalized 44. Which of the following forms of e-commerce has created an opportunity for many people to make a living out of selling items on auction Websites? a. Business-to-business (B2B) e-commerce b. Consumer-to-consumer (C2C) e-commerce c. Consumer-to-business (C2B) e-commerce d. Business-to-consumer (B2C) e-commerce 45. is a standard that spells out measures and security procedures to safeguard a card issuer, a cardholder, and a merchant. a. Secure Sockets Layer (SSL) b. Card Verification Number c. Virtual private network (VPN) d. Payment Card Industry (PCI)