The U.S. financial services industry has an opportunity to avoid regulation by adopting cybersecurity guidelines. The G-7 Fundamental Elements, as the guidelines are called, are remarkable for a couple reasons. The language reflects the need to treat security as a business issue rather than a technology problem. The word risk appears 30 times in the three-page document, underlining the fact that security can be managed as just another element of doing business. While the guidelines arent binding, they could create a foundation of trust that changes the rules of competition in financial services.”]