ional cost of $32 (according to the Gartner Group), and the increasing number of applications in use, businesses cannot afford the productivity lost through continuous password resets. 9.7.3 MANAGEMENT OF PERSONAL SERVICES A service network offers control of network resources to the applications. Such a control implies also a possibility to receive personalized services, provided the user preferences are known and paid for. From an end-user point of view, the service network owner becomes a single point of contact for service provisioning and matters related to a user's personal service environ- ment. The main responsibility of personal service environment management is to handle end- user service provisioning and service management. It is an end-user's contact point for managing his/her personal service environment. As such, it is not coupled to a spe- cific access type or underlying core network, and is reachable via several accesses and core networks. 9.7.4 AVAILABILITY OF SERVICES This is a prioritized area for OMA. 'No matter what device I have, no matter what service I want, no matter what carrier or network I'm using, I can communicate and exchange information'. The OMA solution is interoperability across technologies, products, services and value chains. 9.7.5 ENTERPRISE B2B COMMUNICATION AND WEB SERVICES According to common business language, CBL (a framework for standardized business documents such as B2B) business documents are sent as XML (eXtensible Mark-up Language) based messages as a standard. The XML documents are structured in the same way as traditional electronic data interchange (EDI) documents, in order to facilitate the migration from EDI to CBL based systems. XML web services are a tool for service interchange (service here stands for a functional software module). XML web services could become, for the service layer, what IP is for the transport layer. This will have impact on terminals as well. 9.8 THE NEEDS OF THE SERVICE NETWORK OWNER 9.8.1 TELECOM BUSINESS DOMAIN The main needs are: S