Do you find the U$.$S$.$ efforts to articulate data privacy and security have been effective and balanced? Why or why not? If it has not been effective, what would you suggest to improve your chosen topic area, e$.$g$.,$ the Payment Card Industry $($PCI$)$ efforts to ensure your secure commercial payment transactions. State which ethical theory, of the primary theories $($Kantianism$,$ Utilitarianism, Social Contract, or Virtue Ethics$),$ guides your approach and why.