Since I talked Joel Hockey into blogging, allow me to introduce his blog: Joel – Ramblings from an urban cowboy.  His RSS feed is here.  Most readers of my blog seems to be using my RSS feed so its good that he has a RSS feed.  I have met Joel through my 3D-Secure mailing list which has little traffic but lots of cool yet quiet (heh) engineers and bankers behind Visa's Verified-by-Visa and MasterCard's SecureCode programs.  I think he lives in Australia and works for the QSI Payments, a 3D-Secure vendor, which recently (?) merged with Dialect Solutions.  Welcome, Joel.