Since Patco has no onboard conductors, its quiet-car policing is entirely up to the passengers.

WSJ: Shhh! 'Quiet Cars' Turn Commuters Into Librarians

That sounds like a recipe for the worst, but so far it's working, a Patco spokesman says.

WSJ: Shhh! 'Quiet Cars' Turn Commuters Into Librarians

One startling example of the effects of increased security liability for SMBs lies with a small, family-owned construction company in Maine, PATCO Construction.

FORBES: 8 Steps To Keep Your PCs Safe From Online Criminals

Patco, a system that takes passengers between Philadelphia and the New Jersey suburbs, on Jan. 2 became one of the latest transit agencies to jump on the trend, making a pilot program permanent.

WSJ: Shhh! 'Quiet Cars' Turn Commuters Into Librarians

In May 2011, the court ruled in favor of the bank, claiming that the bank followed Federal Financial Institutions Examination Council guidelines set in 2005 for multi-factor authentication for online banking, leaving PATCO unable to recover the hundreds of thousands of dollars lost.

FORBES: 8 Steps To Keep Your PCs Safe From Online Criminals