Question 25 2 pts The Financial Services Modernization Act allows banks to offer insurance and stock brokerage services. O requires banks to disclose their privacy policies to consumers. O requires banks to inform consumers how they can "opt out of having their confidential information released to other companies. Requires banks to develop policies that will prevent unauthorized access of customers' confidential information. All of the above A software program that responds to commands sent by a command-and-control program located on an external computer is called a bot. spoof. vampire. virus. worm. Question 27 2p According to Michael McFarland, a team of engineers O has more moral accountability than any of its members. has less moral accountability than any of its members. O has the same amount of moral accountability as its members. should always designate a single person to be the ethical "watchdog." should always defer to management when ethical evaluations are being made