Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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GAQM CLSSYB : Certified Lean Six Sigma Yellow Belt (CLSSYB) exam Dumps

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Exam Number : CLSSYB
Exam Name : Certified Lean Six Sigma Yellow Belt (CLSSYB)
Vendor Name : GAQM
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CLSSYB exam Format | CLSSYB Course Contents | CLSSYB Course Outline | CLSSYB exam Syllabus | CLSSYB exam Objectives

Exam Details for CLSSYB Certified Lean Six Sigma Yellow Belt (CLSSYB):

Number of Questions: The CLSSYB exam consists of 75 multiple-choice questions.

Time Limit: The exam has a time limit of 2 hours (120 minutes).

Course Outline:
The CLSSYB certification focuses on providing foundational knowledge and understanding of Lean Six Sigma concepts and methodologies. The course covers the following key topics:

1. Introduction to Lean Six Sigma:
- Overview of Lean Six Sigma
- History and evolution of Lean Six Sigma
- Benefits and applications of Lean Six Sigma

2. Define Phase:
- Defining the problem and project goals
- Understanding customer requirements and expectations
- Project scoping and chartering
- Stakeholder analysis and management

3. Measure Phase:
- Process mapping and analysis
- Data collection techniques
- Basic statistical concepts
- Measurement system analysis (MSA)
- Process performance metrics

4. Analyze Phase:
- Root cause analysis techniques
- Hypothesis testing
- Data analysis methods
- Process capability analysis
- Lean tools for process improvement

5. Excellerate Phase:
- Generating and evaluating improvement solutions
- Design of experiments (DOE)
- Lean tools for waste reduction
- Implementation planning and pilot testing

6. Control Phase:
- Developing control plans
- Statistical process control (SPC)
- Lean tools for continuous improvement
- Monitoring and sustaining process improvements

Exam Objectives:
The CLSSYB exam aims to assess the following objectives:

1. Knowledge and understanding of Lean Six Sigma concepts, principles, and methodologies.
2. Ability to apply Lean Six Sigma tools and techniques in process improvement projects.
3. Proficiency in data collection, analysis, and interpretation for process improvement purposes.
4. Familiarity with project scoping, stakeholder management, and project management techniques.
5. Understanding of the DMAIC (Define, Measure, Analyze, Improve, Control) framework for process improvement.
6. Awareness of Lean principles and waste reduction strategies.

Exam Syllabus:
The CLSSYB exam covers the following syllabus:

1. Introduction to Lean Six Sigma
2. Define Phase
3. Measure Phase
4. Analyze Phase
5. Excellerate Phase
6. Control Phase
7. Lean Principles and Tools

Candidates preparing for the CLSSYB exam should thoroughly study and understand each subject within the course outline and ensure they have a solid grasp of the exam objectives and syllabus.

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GAQM Six information hunger


Novel Study: The Hunger Games: Discussion Guide #6

Use this studying guide to encourage thoughtful discussions about the final chapters of Suzanne Collins’s The Hunger Games. Designed for seventh- and eighth-grade readers, this discussion guide covers chapters 24–27—the last half of Part III, “The Victor”—from the last two days in the arena and the aftermath of the Games in the Capitol, to Katniss and Peeta on the train home back to District Twelve. These discussion questions are a great way to encourage students to think deeply about characters’ actions and motivations, make connections within the novel, analyze the author’s craft, and make predictions based on text evidence. For more activities and discussion guides related to The Hunger Games, be sure to check out the full set of worksheets!

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Hunger and food shortages remain a severe problem for millions in Yemen


Almost a decade of war in Yemen seems to be winding down. But in hospitals there, people are still struggling for their lives in the face of widespread hunger and food shortages. Some 200,000 people have already died from malnutrition and lack of health care during the war. Children are the most vulnerable. And as NPR's Fatma Tanis reports, not enough aid is coming in. Please note that this story contains descriptions of sick children.

UNIDENTIFIED PERSON #1: (Non-English language spoken).

FATMA TANIS, BYLINE: Rows of makeshift tents make up this camp for internally displaced people, one of the oldest in the port city of Aden and home to thousands who fled the war in northern areas. Underneath the scorching sun, people line up to fill their cans with water from a tank that's sometimes empty, and no food is being provided. Inside one of the tents is 19-year-old Wafa Ibrahim Ali, whose family fled their home because of airstrikes from the Saudi-led coalition.

WAFA IBRAHIM ALI: (Through interpreter) They couldn't leave their homes for weeks. I know so many people who died - friends, neighbors - and many others were badly injured.

TANIS: As she talks, her 2-year-old son sticks close. He's not wearing anything because she's been unable to get clothes for him. She's thankful that they are safe in this camp, but they still don't have money, even for food.

ALI: (Through interpreter) They haven't gotten any food aid. My father and brother try to find work carrying things, but most times, they don't have food to eat.

TANIS: About half of Yemen's population needs food assistance. A recent survey by the World Food Program showed that more than one million pregnant women or breastfeeding mothers and more than two million children under five are suffering from acute malnutrition.


TANIS: The dire situation is reflected in Aden's Al-Sadaqa hospital, where the departments for women and children are at capacity.

MANAL ABDULHALEEM: (Non-English language spoken).

TANIS: Dr. Manal Abdulhaleem heads the neonatal department. She says they don't have enough equipment or beds to deal with the number of babies who are born premature with anemia and other issues because the mothers aren't able to eat enough.

UNIDENTIFIED PERSON #2: (Non-English language spoken).

UNIDENTIFIED PERSON #3: (Non-English language spoken).

TANIS: They take a tour around the department. In one room, a young mother explains through her tears that she's trying to breastfeed but doesn't have enough milk to feed her child. Abdulhaleem tries to comfort her.


TANIS: They head next to the intensive care unit for newborns, often born with complications because of malnutrition.

UNIDENTIFIED PERSON #4: (Non-English language spoken).

TANIS: As they enter, a nurse pulls a sheet over a baby who just died. The parents aren't here. Often, families use all their resources to bring their child to the hospital but can't afford to return again. So the hospital has to take care of burials too, without them.

This has been the reality in Yemen for years. Abdulhaleem says, recently, they felt a glimmer of hope when the peace talks started. But in the year or so since, they haven't seen a drop in needs or hospitalizations. There isn't enough aid coming in. David Gressly is the United Nations resident and humanitarian coordinator for Yemen, reached in July from Sanaa. He says $4.3 billion was needed this year to provide lifesaving aid to Yemen, but they had only received 29% of what they needed.

DAVID GRESSLY: The humanitarian situation is really pretty serious throughout the country, with over 21 million people in need, of which we're probably providing food to about 10, 10 1/2 million people, given the funding levels that they currently have.

TANIS: Gressly says the U.S. and European countries have been contributing. But donations have wavered from the two main Gulf countries that have sent troops into Yemen's conflict - Saudi Arabia and the United Arab Emirates.

GRESSLY: So, for example, the UAE is not in a position right now to contribute, even though they did two years ago. And the contributions coming from Saudi Arabia are also quite a bit lower than in the past. So that's where their core problem is right now.

TANIS: NPR reached out to the foreign ministries of Saudi Arabia and the UAE for comment but has received none. More recently, Saudi Arabia said it pledged a package of a billion dollars that included food security to the government of Yemen.

While the shortage in aid is one major problem, another is the unresolved conflict. In 2014, Houthi rebels backed by Iran overthrew the Saudi-backed government. They took control of parts of Yemen, including the capital, Sanaa. And even with peace talks last year slowing down the fighting, the country remains divided. There are fuel shortages, and the movement of essentials like water, food and medicine is restricted in many areas. Gressly worries people won't buy into the possibility of peace if they can't see the benefits, like in the frontline, still-dangerous city of Taiz.

GRESSLY: One of my major concerns is places like Taiz that have not seen the kind of benefit that the de facto truce has provided to other populations in the country. So I'm concerned about that from a larger point of view because they want everybody to have a stake in peace and to believe that peace will be of benefit to them.

UNIDENTIFIED PERSON #5: (Non-English language spoken).

TANIS: Taiz is the third-largest city in Yemen, divided in half between the two warring sides.


TANIS: At Al-Thawra hospital, 27-year-old Malia Qassim Mahmoud is sitting on a bed with her emaciated baby lying limp in her arms. She tries to feed him some protein paste, but he can barely open his mouth.

MALIA QASSIM MAHMOUD: (Non-English language spoken).

TANIS: This is her third time in the hospital. Her older child was severely malnourished and had to be brought in for treatment. He's better now, but his growth has been stunted, leaving the 6-year-old much smaller than other kids his age. She herself was malnourished and had to be hospitalized too.

MAHMOUD: (Non-English language spoken).

TANIS: She says they've never gotten aid through the war. Her husband lost access to his job after the division, and for years, he hasn't been able to find consistent work. The lack of fuel in Taiz means businesses don't operate. Aid and other goods can't come in easily. Most days, the family only have some water and flour. Mahmoud makes doughy paste, and they eat that. Usually it's just one meal a day. As they finish speaking, Dr. Abdulqawi Dirham, who's the head of the nutrition department here, pulls me aside.

ABDULQAWI DIRHAM: Hospital acquired infection.

TANIS: There's another problem, he says, the hospital isn't clean. They're not getting enough sanitation supplies, and there's been no functioning ministry of health overseeing them. Many patients have gotten infections from staying at the hospital. So now they don't keep anyone longer than a week, which is often not enough time to recover from malnutrition.

MAHMOUD: (Non-English language spoken).

TANIS: For Malia Qassim Mahmoud, there's little hope that the war will end and that her life will get better. Soon, she and her baby will have to go back home where nothing has changed. She will still only be able to provide her family with water and flour. And as long as Yemen remains in desperate need of aid, Mahmoud says she'll likely end up back at the hospital again. Fatma Tanis, NPR News, reporting from Aden and Taiz, Yemen.

(SOUNDBITE OF JHENE AIKO SONG, "B.S.") Transcript provided by NPR, Copyright NPR.

NPR transcripts are created on a rush deadline by an NPR contractor. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR’s programming is the audio record.

The Hunger Games: The Flash's Grant Gustin Almost Played This Fan-Favorite Hero

No result found, try new keyword!Grant Gustin, who would eventually play Barry Allen in The CW's "The Flash," was originally up for the role of this heroic heartthrob in "Catching Fire." ...

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Warum sind Cyberrisiken so schwer greifbar?

Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

Nicht kriminelle Ursachen

Höhere Gewalt

Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

Menschliches Versagen/Fehlverhalten

Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

Technisches Versagen

Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

Kriminelle Ursachen


Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


  • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
  • Krisenkommunikation / PR-Maßnahmen
  • Systemverbesserungen nach einer Cyber-Attacke
  • Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

  • Befriedigung oder Abwehr von Ansprüchen Dritter
  • Rechtswidrige elektronische Kommunikation
  • Ansprüche der E-Payment-Serviceprovider
  • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
  • Vertragliche Schadenersatzansprüche
  • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
  • Rechtsverteidigungskosten


  • Betriebsunterbrechung
  • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
  • Mehrkosten
  • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
  • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
  • Cyber-Erpressung
  • Entschädigung mit Strafcharakter/Bußgeld
  • Ersatz-IT-Hardware
  • Cyber-Betrug