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"Routine maintenance becomes difficult without institutional knowledge, which is often lost with a freelancer, contractor, or dev shop."

Rather than "release the brakes" by easing the pain of spending, credit cards actually "step on the gas" by anticipating pleasure.

Not only do we compare ourselves to others, but we can juxtapose our current circumstances with what we could want in the future.

"It's like a safe place to learn and get plenty of mulligans, and make it that much less anxious."

"Banks should be required to have buffers of capital, so if they suffer some losses, it doesn't immediately become a solvency crisis."

"We urgently need to pay attention to how the next wave of disruptive innovation could affect our social, democratic, and civic institutions."

"Our research recommends ICS (industrial control system) system managers proportionately allocate a cyber-protection budget among ICS assets."

"A company needs more than a huge monetary investment and technological leap. There's a massive culture shift involved."

Senior lecturer Elsbeth Johnson argues that CFOs should be involved right at the start of transformation projects.

IT professionals overseeing cybersecurity for large organizations are in a dire state of their own. "They're basically working around the clock."