Sorry if this is obvious, but I see 2 new html pages in the zc fileset : mcs_learn_more.html and vbv_learn_more.html

Are they simply ads for us storeowners to enroll? or something thats integrated (popups?)in the new ZC for customers that Im not seeing/using? Do I delete them?

also cardinal3dsecure.php is new but not seeing it in action.

Im using Authorize.net SIM and Paypal EC.