Zero-knowledge encryption? Sounds like they're trying to invent some new buzzword to try to make something almost no one could argue against, secured communications and records for banking, conversations & confidential information (medical records, personal matters, etc). It should also be noted that there is a really good reason for this move to decentralized encryption, the feds simply couldn't keep their hands out of the cookie jar. That and there are no indications that allowing the government full access to communications has any effect on terrorist activity, its pretty obvious that they were hoovering information before 9/11 and it didn't stop that, they've created massive data centers and tied in with ISPs throughout the globe and they didn't stop Paris, Metrojet Flight 9268, Boston or any of the other major attacks. I find it disturbing they can argue for ever increasing levels of surveillance when the massive levels they are already spending tens of billions of dollars and not stopping a few nuts chatting over text messages.