Which of the following statements regarding Secure Sockets Layer (SSL) are true? Each correct answer represents a complete solution. Choose all that apply.

SSL appends a Message Authentication Code (MAC) to each record, allowing the recipient to detect any in-transit alteration to the message and confirming data integrity.

SSL encrypts session payloads using symmetric cipher keys negotiated during the handshake, preventing unauthorized parties from reading the transmitted data.

SSL is a transport-layer security protocol that secures the channel over which payment data travels, but it does not have the capability to authorize, route, or process credit card transactions itself - that is the role of payment processors.

SSL supports cipher suites using 128-bit and higher symmetric encryption such as AES-128, making strong key lengths a well-documented and standard capability of the protocol.