Phishing scams, one of the most prevalent cyber-crimes, are accomplished by: Oa. Cyber-criminal sending an attachment to a message that, when activated, can take over your system or delete your data. b. Cyber-criminal breaking into a business database to steal personal data like social security numbers, credit card, numbers, name, address, etc. Oc Cyber-criminal using a special scanner to steal your credit card information, including your pin number. Od.Cyber-criminals luring their targets using fake sites resembling trusted companies or pretending to be friends and family.

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Market Efficiency

Market efficiency refers to the market's ability to provide investors with all available information about investment options for buying and selling securities. Market efficiency reflects the true value of securities without undervaluing or overvaluing them. When the quality and quantity of information increase, the market becomes more efficient, allowing it to reduce arbitrage and obtain higher market returns from investment. In a well-functioning market, everyone receives all information completely and immediately at no cost. It opens up a plethora of opportunities for investors to access various investment options.