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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How Crying Can Help You, Here Is What A Study Says

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They say that there's no sense in crying over spilled milk. But what do they know? Crying can get you another glass of milk if you do it loud enough. Plus, crying may serve a real physiologic purpose, according to a study published recently in Emotion, meaning the journal and not in an Emo-kind of way.

For the study, three researchers from the University of Queensland (Leah S. Sharman, Genevieve A. Dingle, and Eric J. Vanman) and one from Tilberg University (Ad J. J. M. Vingerhoets) recruited 197 female undergraduate students. They said that they choose all women rather than including men because pilot testing of sad videos had revealed that more women than men cried or at least more women revealed that they were crying. This did not account for the men who cried inside or used some bro-language or high fives to hide the crying.

The research team then showed each of the study participants either a video that are supposed to make them feel sad (sad videos) or a video that was not supposed to elicit any emotion (neutral videos) like something from a documentary or a ted talk. Each video lasted for close to 18 minutes. After the video, the researchers noted whether or not each participant had cried while watching the video. Ultimately, 65 participants watched the neutral video, 71 watched the sad video and cried during it, and 61 watched the sad video and did not cry. Presumably, no one cried during the neutral video. But then again, actor Bryce Dallas Howard was able to cry when Conan O'Brien talked about Home Depot in this Conan clip:

Then, each participant underwent a Cold Pressor Stress Test (CPT), which involved placing the participant's left hand, up to the wrist, in cold 0° to 5°C water. Unless you are the Iceman or Killer Frost, this is supposed to be painful. The research team measured how long each participant could stay in this position until pulling her hand out of the water. During the study, the research team continuously measured each participant's heart rate and respiratory rate and periodically measured cortisol levels from saliva samples. Cortisol is a stress-hormone that's produced by the body.

Also, at four points during the study, participants answered questions from the Positive and Negative Affect Scale short form (PANAS). These questions asked the degree to which the participant was experiencing ten different emotions and to rank each on a five-point scale that ranged from a one (very slightly or not at all) to a five (extremely).

When it came to cortisol levels and how long the participants could keep their hands submerged in the cold water, the study ended up finding not much difference between the neutral video watchers, the sad video non-criers, and the sad video criers. So if you are about to dunk yourself in cold water or take a cold shower, it may not help to cry first.

But here's a difference that the study found. Are you ready? Take a deep breath. The difference was breathing rates. While watching the videos, the non-criers tended to have elevations in their breathing rates, whereas, by contrast, the criers tended to maintain their initial breathing rates. In other words, tearing up could have helped participants better control their breathing rates. This provides further evidence that crying may help you better regulate arousal, serving as an emotional release.

Another interesting finding was that right before crying, participants tended to experience decreases in their heart rates, seemingly in anticipation of the crying. Once the crying began, their heart rates then tended to creep back up but not above where their heart rates had been before everything began. This may be further evidence that crying has a beneficial regulatory effect on your physiology.

So perhaps next time you start crying you can tell people that you are regulating your physiology. You've probably heard of people saying that they had a good cry and feel better after they've let the tears flow. It can be important to find reasonable ways to periodically release your emotions. Otherwise, you may end up bottling everything up like a hot air balloon that can explode when you least expect it.

Moreover, crying can be a way of communicating. It's really the only way that babies can express their needs before they learn how to say things like "why you throwing shade on me," or "I'm not Gucci." Crying can help communicate to others that you need more sympathy, comfort, or help. Of course, this can be misused. You don't want to cry every time your order at a restaurant doesn't come out right. And of course, there is the whole concept of crocodile tears: people crying to get something when they don't really mean it.

Crying can also be a way of communicating with yourself. Even when you cry alone, you may be telling yourself about your own state because, like many people, you could be terrible at studying your own emotions and situation. Tears could be your body's way of saying, "hey, take a break," or "something's not right," or "take care of yourself." Tearing up can then be a way of your body literally crying out to you.

Your body is a complex system. Crying can be complex. Your tears can flow when you are very sad, very angry, or even very happy. Better understanding what causes us to cry and what happens as a result could help us better handle their emotions and stress.


Ozempic could help curb alcohol abuse, study reveals

The latest weight loss craze could also help people control their drinking.

Semaglutide treatments such as Ozempic and Wegovy have been shown to reduce the symptoms of alcohol use disorder (AUD), according to a study published in The Journal of Clinical Psychiatry on Nov. 27.

The collaborative study from The University of Oklahoma (OU) and Oklahoma State University (OSU) found a “significant and noteworthy decrease” in the Alcohol Use Disorders Identification Test (AUDIT) scores of six patients who were receiving semaglutide treatment for weight loss.

Lead study author Dr. Jesse Richards, director of obesity medicine and assistant professor of medicine at the OU-TU School of Community Medicine, said the study was inspired by his conversation with Dr. Kyle Simmons, professor of pharmacology and physiology at the OSU Center for Health Sciences.

“I had been hearing from a significant number of patients that their alcohol intake was spontaneously decreasing while [they were] on the medication,” Richards told Fox News Digital.

As a bariatric surgery clinic employee, Richards noted that it’s standard to screen patients for alcohol use.

Studies found that there was a decrease in Alcohol Use Disorders Identification Test (AUDIT) scores for six patients receiving weight-loss treatments. AP

At the clinic, a number of patients tested positive for alcohol consumption, sometimes in concerning amounts.

Later, while on semaglutide medication, they reported reduced alcohol intake.

One of Richards’ patients — who previously drank large amounts of alcohol — shared a new inability to drink more than two cans of beer now because it “just doesn’t sound good.”

After semaglutide medication, a patient who formerly drank beer regularly began to think that alcohol just didn’t “sound good.” Getty Images

This response piqued Richards’ interest in learning more about patients’ aversion to alcohol, which directly correlated to his research.

Research has shown that this effect is “mediated through adjustments in the reward pathway in the brain,” he said.

“The GLP-1s are actually modifying dopamine, decreasing the craving and decreasing the motivation to acquire things in that compulsive intake category.”

The most surprising takeaway from the study, Richards said, was that the same significant treatment response was seen even at very low doses.

“We found that even patients on the lowest dose of semaglutide — a quarter milligram — had a quite significant and relatively … quick onset reduction in alcohol intake,” he said.

Of the six patients studied, all but one were on low doses — from a quarter to a half milligram.

“And that’s very encouraging because they know that the lower doses of these medications are tolerated much better,” said Richards.

While the results seem promising, the doctor said he does not recommend that patients use semaglutide treatments for alcohol use disorder at this time, due to supply and safety issues.

“If patients have [obesity and diabetes] indications for the medication and they also struggle with alcohol intake … having them on this treatment may potentially be beneficial,” Richards said.

Due to medication shortages and a lack of long-term data, it may not be advisable to take Ozempic to target alcoholism specifically. NurPhoto via Getty Images

“But because there has been a global medication shortage, and because they don’t have prospective trials and don’t know what the specific safety is versus the well-established safety data in obesity and diabetes, [I] would not recommend it just for patients who have AUD.”

There are three FDA-approved drugs available for alcoholic use disorder that are currently underused, the doctor noted.

Given that five million people in the U.S. are currently taking semaglutide medications, if it is proven that those drugs have a significant effect on alcohol use disorder, “by default, they are going to become the most widely used drug to Boost these symptoms — just by virtue of the fact that so many people are on them for diabetes or obesity,” Richards noted.

Trials are underway to gather more information on the weight-loss medication and its effect on alcohol intake. UCG/Universal Images Group via G

He confirmed that additional research is underway with two ongoing trials.

“Since they were able to show clinically meaningful reductions in alcohol intake and AUD symptomatology in a real-world setting, that bodes very well for these types of medications,” he said.

Looking ahead, Richard said there is a need for higher-quality evidence of the medication’s impact on AUD compared to placebo drugs or environmental factors.

People struggling with alcohol use should speak with their healthcare provider. Getty Images

Even though it’s unclear whether GLP-1 producers will market the medication to AUD patients in the future, Richards said this could become an “established medical practice once the safety and efficacy has been determined.”

For patients who struggle with AUD, Richards recommended they talk to their health care providers about available treatment.

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He also alerted patients that if they experience a reduced appetite and usually consume “a bunch of calories” in alcohol, it may be necessary to look into a more balanced diet.

Avantika Waring, 9amHealth’s chief medical officer and a trained physician and endocrinologist in San Francisco, applauded the OU and OSU study findings for further supporting what clinicians “are already seeing in practice,” she told Fox News Digital.

“GLP-1 medications have a lot of effects that they are still learning about, and the ability to decrease cravings and the reward signals related to alcohol use are just some of the benefits,” she said.

“It’s an important starting point for further clinical trials,” she added.

Waring also warned that GLP-1 medications should not be used to treat AUD specifically, as they can cause side effects such as nausea and changes in appetite.

“People struggling with alcohol use disorder should consult with their physicians before starting GLP-1 medications to make sure that they can stay hydrated and safe on therapy,” she said.

Waring noted that if ongoing clinical trials find semaglutide treatments to be effective for AUD, the medical community will “have another tool to help people living with alcohol addiction and we’ll see expanded use of these already popular drugs.”

Fox News Digital reached out to Novo Nordisk for comment on the potential link between semaglutide medications and alcohol use disorder.


 


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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

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.

Erpressung

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:

Cyber-Kosten:

  • 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

Cyber-Eigenschäden:

  • 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