Title: Example 3.1 does not follow the algorithm in merging policies

Description: The example 3.1 claims to be result of merging. The merge is defined to be 

{
Definition: a merge consists of serializing each policy as a policy expression, replacing their wsp:Policy element with a wsp:All element, and placing each as children of a wrapper wsp:Policy element.] The resulting policy expression is considered to represent the combined policy of all of the attachments to that policy subject.
}

The resulting example does not contain any replacement of wsp:All elements with a wsp:Policy element and does not follow the definition. 

Justification: The example is confusing and does not follow the description of the merge. 

Proposal: Fix the example to reflect the merge algorithms intent by introducing wsp:All as appropriate wrappers.