Microsoft favors setting up " independent e-mail trust authorities to establish and maintain commercial email guidelines , certify senders who follow the guidelines , and resolve customer disputes . "
Gates says he wants to see " independent e-mail trust authorities " who " establish and maintain commercial email guidelines , certify senders who follow the guidelines , and resolve customer disputes . "
Jay Fishman , 51 , chairman and chief executive of St Paul , will be chief executive of the combined company .