****** I just need answer no explanation necessary *********

1.Access to the company computer network, and the knowledge of how to use it, gives this group the potential to cause the most damage to a business. Identify the vandals in discussion.

a. Hackers

b.Crackers

c.Insiders

d.Phreakers

e. Carders

2. Spyware can gather information about an individuals web browsing activities, including private health and financial data and provide them to a third party without the user's knowledge or consent. This is a type of ___________

a.Ransomware

b.Virus

c. Trojan

d.Malware

3. ________ refers to any loss of a technological system

a.Malware

b.Hackers

c. Phishing

d. Cyber risk

4. Suppose in January you bought a $160,000 policy for a building with an actual cash value of $200,000, and the policy has an 80 percent coinsurance clause, which requires at least 80 percent of the value to be covered in order to receive the actual loss. By the time the building suffers a $20,000 loss in November, its actual cash value has increased to $240,000. What amount will the insurer pay?

a.$24,000

b.$20,000

c.$16,000

d.$22,222.22

e. $16,666.67