The insurance industry pushed long and hard for legislation that would legalize electronic signatures. But carriers are not rushing to implement the technology.W ill Tom Cruise soon be swiping his smart card through the digital autograph books of the next mob of crazed fans he encounters outside a Tinseltown premiere?

The Electronic Signatures in Global and National Commerce Act that became effective Oct. 1 goes a long way in legitimizing digital signatures for online business transactions. But it's unlikely that a radical transformation of how insurance and other industries complete transactions will occur in the near term, experts say.

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