John Karat Clare-Marie Karat Elisa Bertino Ninghui Li Qun Ni Carolyn Brodie Jorge Lobo Seraphin B. Calo Lorrie Faith Cranor Ponnurangam Kumaraguru Robert W. Reeder Policy framework for security and privacy management. 4 2009 53 IBM Journal of Research and Development 2 http://dx.doi.org/10.1147/JRD.2009.5429046 db/journals/ibmrd/ibmrd53.html#KaratKBLNBLCCKR09