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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Trainers NSCA-CPT : NSCA Certified Personal Trainer ACTUAL EXAM QUESTIONS

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Exam Number : NSCA-CPT
Exam Name : NSCA Certified Personal Trainer
Vendor Name : Trainers
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NSCA-CPT test Format | NSCA-CPT Course Contents | NSCA-CPT Course Outline | NSCA-CPT test Syllabus | NSCA-CPT test Objectives


Exam Title : NSCA Certified Personal Trainer

Questions : 140 scored, 15 non scored

Pass Marks : 77%

Duration : 3 hours

Exam Type : multiple-choice

The NSCA-Certified Personal Trainer® (NSCA-CPT®) test is comprised of 140 scored and 15 non-scored* multiple-choice questions that tests candidate's knowledge in the following four domains:

Client Consultation/Fitness Assessment

Program Planning

Techniques of Exercise

Safety, Emergency Procedures and Legal Issues

There are 25-35 video and/or image items that assess competencies across multiple domains.

The pass rate was 77% for first-time candidates attempting the NSCA-CPT test in 2018.

Domain Percent of Exam Number of Questions

Client Consultation/Assessment 23% 32

Program Planning 32% 45

Techniques of Exercise 31% 43

Safety, Emergency Procedures and Legal Issues 14% 20

Non-Scored Questions - 15

Total 100% 155

Number of video questions (already included in the total) 25-35

Length of exam 3 hours


About the Association

Certifications Offered

Accreditation of NSCA Certifications

Registration of NSCA Certifications

Statement of Nondiscrimination


Job Analysis

Item Writing

Standard Setting

Exam Content Outlines





Exam Preparation

Example Preparation Plan Options

Plans Recommended by Background


Eligibility Requirements





Acceptable Accreditation of Colleges and Universities

Exercise Science-Related Fields

Acceptable CPR/AED Certifications

Discipline Policy and Certification Appeals


Completing the Registration Form

Release of Information


Special Accommodations

Eligibility Documentation

Academic Transcripts (CSCS and CSPS only)

CPR/AED Certifications

Practical Experience (CSPS only)

Exam Fees

Scheduling an Appointment

Test Center Locations

Exam Authorization Period

Changes to Contact Information

Name Changes

Contact Information and Communications

Registration Withdrawal and Refunds

Cancelling and Rescheduling test Appointments

Late Arrival and No-Show

Late Arrival


Inclement Weather, Power Failure, or Emergency


Candidate ID Requirements


Personal Belongings

Items Not Permitted

Permitted Items

Comfort Aids

Permitted Medicine and Medical Devices

Permitted Mobility Devices

Exam Supplies

Questions and Comments About test Content


Leaving the test Early

Exam Misconduct

Exam Results

Exam Scoring

Exam Pass Rates

Confidentiality of Results

Cancelled Scores

Awarding of Certification

Retake Policy

90 Day Waiver

Privacy Policy

Appealing test Results


A. Cardiovascular: Individuals with…

1. Myocardial infarction

2. Angina

3. Hypertension

4. Peripheral vascular disease (e.g., deep vein thrombosis, peripheral artery disease)

5. Congestive heart failure

6. Valvular disorders

7. Revascularizations

8. Conduction defects or disorders (e.g., atrial fibrillation, pacemakers)

B. Pulmonary: Individuals with…

1. Chronic obstructive pulmonary disease (COPD) (e.g., emphysema, chronic bronchitis)

2. Chronic restrictive pulmonary disease (CRPD) (e.g., fibrosis, sarcoidosis)

3. Asthma

4. Pulmonary hypertension

C. Metabolic

1. Individuals with diabetes mellitus (Type 1 and 2)

2. Individuals who are overfat

3. Individuals with pre-diabetes

4. Individuals who have metabolic syndrome

5. Individuals with thyroid disorders (hypo/hyperthyroidism)

6. Individuals with end stage renal disease

D. Immunological and Hematological: Individuals with...


2. Chronic fatigue syndrome

3. Fibromyalgia

4. Anemia

5. Auto-immune disorders (e.g., lupus, rheumatoid arthritis)

6. Bleeding/clotting disorders

E. Musculoskeletal/Orthopedic: Individuals with...

1. Osteoporosis and other low BMD conditions

2. Limb amputations

3. Osteoarthritis

4. Lower back conditions

5. Chronic musculoskeletal conditions (e.g., OA, osteoporosis, low back pain)

6. Frailty

7. Joint disorders (e.g., muscle, labrum, ligament, cartilage, tendons)

8. Joint replacements (e.g., shoulder, knee, hip)

9. Sarcopenia

10. Posture conditions

11. Cystic fibrosis

F. Neuromuscular: Individuals with…

1. Stroke or brain injury

2. Spinal cord disabilities

3. Multiple sclerosis

4. Cerebral palsy

5. Downs syndrome

6. Parkinsons disease

7. Epilepsy

8. Balance conditions

9. Muscular dystrophy

G. Post Rehabilitation: Individuals with…

1. Musculoskeletal disorders/conditions

2. Cardiopulmonary disorders/conditions

3. Neuromuscular disorders/conditions

H. Individuals with Cancer

I. Female Specific Conditions

1. Pregnant and postpartum

2. Female athlete triad

3. Menopausal/post-menopausal

J. Individuals with Behavioral/Psychological Disorders

1. Disordered eating patterns

2. Body image

3. Depression

4. Chemical dependency

K. Older Adults

L. Children and Adolescents


A. Determine the Fitness Professionals Role in the Wellness Continuum

1. Align goals of the medical professional, client, and fitness professional

2. Maintain lines of communication with the primary healthcare provider

3. Optimize communication between the fitness professional and medical professionals

4. Verify physicians clearance to exercise

B. Perform Health Appraisal

1. Understand basic medical terminology

2. Interpret medical history (e.g., contraindications, continuity of care, goal viability)

3. Administer life-style questionnaire

4. Interpret “levels of pain” or prognosis (severity of condition; e.g., kurtzke expanded

disability status scale)

5. Interpret medical documentation

6. Document subjective client feedback and observations relevant to medical condition

7. Contact medical professionals for needed information or clarification on

medical history, restrictions, etc.

8. Identify signs and symptoms that indicate an individual should be referred

for medical care

9. Understand the roles of health professionals that prescribe exercise (e.g., physicians,physical therapists, occupational therapists, athletic trainers)

10. Perform nutritional review

C. Fitness Evaluation

1. Conduct fitness evaluation

a. vital signs (e.g. heart rate, blood pressure)

b. height and weight

c. body composition (e.g., “Bod Pod” and DXA reports)

d. girth measurements

e. muscular strength and endurance

f. speed/agility/power

g. cardiovascular endurance (e.g., submaximal VO2 max test on treadmill and bike)

h. flexibility

i. lipid profile

j. lung function

k. postural test

l. balance

m. functional test

n. evaluations specific for individuals with limited ability (e.g., 6-min walk, modified sit-and-reach from a chair, 8 lb. curl test, chair stands)

2. Prioritize need for clients with multiple diseases

3. Adjust fitness evaluation based on medical conditions and restrictions

4. Determine testing measures for the client

5. Document client progression with objective and subjective criteria

A. Develop SMART Goals

1. Manage fear and expectations

2. Increase functional capacity

3. Improve health risk factors (e.g., muscle wasting)

4. Improve confidence and self-image

5. Improve quality of life

B. Program Design

1. Develop individual training programs that are adapted to specific health condition (types, duration, frequency, intensity, progression, rest)

2. Develop group training programs that are adapted to specific health condition (types, duration, frequency, intensity, progression, rest)

3. Identify exercises indicated and contraindicated for clients condition

4. Identify environmental risks (e.g., MS and heat tolerance)

5. Evaluate communicable disease risk (client to fitness professional OR fitness professional to client)

6. Modify the warm-up and cool-down program to coincide with the limitations and capacities of a client

7. Modify the exercise program to coincide with the limitations and capacities of a client

8. Instruct a client on therapeutic exercise technique and equipment (including body position, speed/control of movement, movement/range of motion, breathing, and spotting/safety guidelines)

a. aquatic

b. range of motion

c. exercise with accessory equipment (e.g., chairs, walker/cane, gait belt)

d. balance/perturbation training

e. partner-assisted (support person and conduction exercises beyond the medical

fitness center/facility, or how they can help during the process of exercise)

f. home programs

9. Understand exercise-induced changes to body systems

a. neuromuscular system

b. cardiorespiratory system

c. musculoskeletal system

d. endocrine

e. psychological

C. Apply Motivational/Coaching Techniques

1. Motivational interviewing

2. Stages of change

3. Transtheoretical model

4. Behavioral economics

5. Planned behavior theory

6. Cognitive theory

7. Relapse prevention

8. Positive psychology

9. Solution-focused coaching

D. Monitor Client Outcomes

E. Recognize Need for Referral to Healthcare Professional


A. Comply with Scope of Practice Requirements

B. Practice Safety Procedures

C. Follow Emergency Procedures

D. Recognize Professional, Legal, and Ethical Responsibilities

E. Comply with HIPAA regulations

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Trainers Trainer test Cram


5 Great Corporate Training and Development Certifications

  • The corporate training and development field can offer a profitable and rewarding career path. 
  • Many training and development positions are available for all levels of experience, and they involve a variety of skill sets.
  • Obtaining a training and development certification from an accredited institution can boost your salary potential. 
  • This article is for HR professionals of all levels who are looking for training and development certifications that fit their professional development needs. 
  • Corporate training roles exist at all levels and may include responsibilities ranging from administrative tasks to managerial oversight. Generally, these roles focus on assessing organizational learning and training requirements, creating training materials to fulfill those needs, and delivering the training. Training and development professionals need organizational and communication skills, as well as strong knowledge of common human resources practices. 

    You can beef up your training and development expertise and show your value to employers by obtaining an HR or training certification. Read on for the top five certification programs to help you get ahead in the world of training and development. 

    Best corporate training and development certifications

    According to the U.S. Bureau of Labor Statistics, corporate training and development specialists earn a median income of $61,570 per year. Training and development managers can expect median earnings of more than $120,130 per year, with the top tier receiving over $207,420. Depending on the role, corporate training-related positions are expected to grow about 8 percent from 2021 to 2031.

    While researching training and development certifications, they found that most employers look for a combination of human resources and training-based certifications. Below, you’ll find the five certifications most commonly requested by employers for training and development job roles.

    Training and development managers in the top-earning tier can make over $200,000 per year.

    1. ATD: Certified Professional in Talent Development (CPTD)

    The ATD Certification Institute (ATD CI) is the credentialing arm of the Association for Talent Development (ATD). Its premier talent development and training credential is the Certified Professional in Talent Development (CPTD).

    The CPTD evaluates a candidate’s personal, professional and organizational capabilities, based on the Talent Development Capability Model. Subjects covered include knowledge management, learning science, learning technology implementation, training delivery and facilitation, instructional design, performance improvement, change management and coaching. 

    To earn the CPTD credential, candidates must pass an test with a mix of multiple-choice and case-study questions. test fees are $975 for members and $1,350 for nonmembers. To be eligible, candidates have two options. Candidates can either possess five years of relevant work experience and have completed 60 hours of talent development training in the past five years, or have four years of full-time talent development experience while holding the Associate Professional in Talent Development (APTD) certification and being in good standing.

    2. HRCI: Professional in Human Resources (PHR)

    Professionals with a Professional in Human Resources (PHR) certification from the HR Certification Institute (HRCI) are implementers. PHR team members understand the logistics involved in turning plans into reality and in implementing organizational programs (or training) and solutions.

    To earn the credential, candidates must pass an test and meet one of the following education and experience requirements:

  • Four years of professional HR experience
  • A bachelor’s degree plus two years of professional HR experience
  • A master’s degree plus one year of professional HR experience
  • There’s a $395 test fee and a $100 application fee. Sixty recertification credits are required during a three-year period to maintain the credential. Alternatively, you can take the test again.

    3. HRCI: Senior Professional in Human Resources (SPHR)

    HRCI’s Senior Professional in Human Resources (SPHR) certification targets senior practitioners who are well versed in all facets of HR. SPHR credential holders are typically engaged in planning and executing business strategies in accordance with the organization’s overall HR needs. They are also responsible for HR departmental goals. 

    To earn the SPHR credential, candidates must pass an test and meet the prerequisite education and experience requirements. There’s a $495 test fee and a $100 application fee. To fulfill the prerequisite requirements, candidates must have at least one of the following:

  • A master’s degree plus four years of HR experience
  • A bachelor’s degree plus five years of HR experience
  • Seven years of HR experience
  • As with the PHR certification, 45 HR and 15 business recertification credits (60 credits in total) are required during a three-year period to maintain the certification.

    4. SHRM: Certified Professional (SHRM-CP)

    The Society for Human Resource Management (SHRM) is a global leader in HR competencies. It currently offers two credentials: SHRM Certified Professional (SHRM-CP), which is geared toward entry-level professionals, and SHRM Senior Certified Professional (SHRM-SCP), which targets senior practitioners. Both credentials are well recognized by employers. Half of the SHRM test validates skills in leadership, interpersonal and business, and the other half of the test targets knowledge across the areas of people, organization and the workplace.

    To earn the SHRM-CP credential, candidates must pass an test and meet the prerequisite experience requirements. Candidates for SHRM-CP certification don’t need to hold a degree or HR title to be eligible, but basic working knowledge of HR principles is recommended. The test fee is $410 for SHRM members and $510 for nonmembers, with early-bird pricing and other discounts available.  

    Sixty professional development credits (PDCs) during a three-year cycle are required to maintain the credential.

    5. SHRM: Senior Certified Professional (SHRM-SCP)

    SHRM’s Senior Certified Professional (SHRM-SCP) credential targets senior-level HR professionals who exemplify leadership and can influence and implement organization goals.

    SHRM-SCP candidates must have three years of strategic-level HR experience and devote a minimum of 1,000 hours annually to strategic HR work. Candidates must complete the 1,000 hours during the calendar year as part- or full-time hourly or salaried employees. test fees are $410 for members and $510 for nonmembers, with additional discounts available. 

    As with the SHRM-CP, 60 PDCs are required every three years to maintain the credential.

    Top 5 certifications, by the numbers

    Employers are eager to find candidates with any of these top training and development certifications. A quick search of the top professional search engines reveals the demand for these credentials. The figures below represent a snapshot of the number of open positions nationwide by certification as of the day the job search was conducted.

    Job site search results



    LinkedIn Jobs


    ATD Certified Professional in Talent Development (CPTD)




    HRCI Professional in Human Resources (PHR)




    HRCI Senior Professional in Human Resources (SPHR)




    SHRM Certified Professional (SHRM-CP)




    SHRM Senior Certified Professional (SHRM-SCP)




    There are thousands of open positions in the U.S. for candidates with one of the top five training and development certifications.

    More certification options

    While they didn’t make their top five list, they found other interesting related certifications. The International Society for Performance Improvement (ISPI) offers the Certified Performance Technologist (CPT) credential for professionals who are interested specifically in performance improvement. For professionals who don’t meet the requirements for the CPTD certification, ATD offers an Associate Professional Talent Development (APTD) credential along with a Master Trainer Program credential that covers the key aspects of training delivery.

    Several universities offer professional development courses in executive coaching and corporate training. Some of the examples they found included an Executive Certificate in Leadership Coaching from the Georgetown University School of Continuing Studies and leadership coaching courses from the Harvard University Extension School of Professional Development. Dale Carnegie also offers a Corporate Training Certificate program.

    No matter which training and development skills you’re looking to improve, there’s a certification program out there for you. You can start exploring your options today to reduce your training and development skills gap. The effort will pay off tremendously when it’s time for your next job search or when you’re eyeing that big promotion opportunity. 

    Mary Kyle contributed to this article. 

    Best Personal Trainer Apps 2023

    If heavy weightlifting is your goal, a personal trainer app may not be the best option for you, as you won’t have the in-person spotting assistance you need. “Trainers are really important for spotting during lifts,” says Jo. “There’s no way a trainer can do that via an app.”

    Apps also provide a limited visual field for observing a client, explains Jo. “When viewing someone performing an exercise virtually, you can’t get a 360-degree view to really observe their mechanics like you could if you were training them in person,” she says.

    However, there are ways around both of these challenges when working within an app, such as only doing lifts that don’t require spotting and asking the client to show their movements from a variety of vantage points, says Jo.

    If you’re looking for live, one-on-one personal training from certified experts to develop or deepen your exercise and wellness habits, a personal trainer app may be a good option for you. However, if you have previous or current injuries, health conditions or concerns about working with a personal trainer via an app, reach out to your health care provider before signing up.

    Transform Your Fitness With Science-Based Training

    Download the free Caliber app and discover how the average member achieves at least a 20% improvement to their body composition within 3 months.

    New York Jets | Training Camp

    No result found, try new keyword!See photos of the Jets back on the field at 1 Jets Drive for Tuesday's training camp practice. See photos of the Jets on the field in Spartanburg, S.C. for joint practice with the Carolina Panthers.

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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