Considering commerce and marketing, which of the following present the most significant obstacle to developing IT security?

a) There is no direct return on investment in building security systems.
b) Security systems are detrimental to usability and can make IT systems less
functional, and therefore less attractive to the consumer.
c) There is pressure to reduce the time it takes to get a new IT product or system
onto the market, so security systems are sacrificed in order to reduce the time-to-
market.
d) All of the above.