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Tell me again: what exactly are the benefits of SSL?

Secure Sockets Layer or SSL for short provides the following benefits:

Authentication of the server

Whenever an end user connects to an SSL enabled site, the Server sends its unique Digital certificate which is approved and signed from a universally trusted source (E.g. Verisign). This guarantees an end user that he is communicating with the right server.

Communication privacy

SSL uses public key as well as private key encryption technologies to provide an encrypted channel. This channel ensures an end user that all communication between the user’s browser and the Webserver remains encrypted. Thus, any one intercepting or sniffing the communication will only see garbled text which would make no sense.