In the past, for individuals and small businesses, cyber security was important to mitigate the inconvenience of spam, viruses that required restoring back-ups of corrupt files, and letters to credit bureaus to clear up identity theft issues. While painful, the cost of these was generally in the hundreds of dollars and perhaps a few hours of inconvenience. Today, we see a convergence of trends that is changing the dynamics of cyber security for individuals and small business [...]