Hey Brian, Kristina, Daniel

I appreciate you have been working on this for a while, and this feedback
is last minute, and people have already working code that works with it --
so this is unlikely to be welcome feedback -- but in the spirit of wanting
what is best long term, here it is.

*Token Separators*
It is not clear to me why the disclosures are an arbitrary array of '~'
separated items. It seems very odd to me as a developer. Why not have a 4th
'.' separated string that is base64 URL encoded JSON array of the
disclosures? The header includes the 'typ' so that a parser knows what all
the following components are and how many there are.

*Disclosure Format*
On the format of the disclosures, the implicit semantics of the order of
items in an array is a throwback to data formats of the last century. We
are using JSON, let's have it be an object where we name each item.

*Array Disclosure*
Is this really needed? The only example I saw was for multiple
citizenships. Would the issuer of an SD-JWT that contains a subject's
citizenship not be the country who they are a citizen of? Why would another
country be authoritative that the subject is a citizen of another country?
In the example, it is hard to imagine a verifier trusting the US to say
someone is a DE citizen, or vice versa. The array of age claims in example
A.3 does not need the non intuitive '...' array mechanism. Taking this out
would simplify implementations.

*Claim Names*
Why do the claims start with '_'? Why not just 'sd' and 'sda'? Why is
'_sd_alg' in the payload and not in the header?

*Explicit Typing*
Why leave the typing in the header to be determined by the application
(10.11), and not just be 'sd-jwt' and be REQUIRED?
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