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Online deception is now so commonplace that criminal gangs are using it as part of a wider range of activities to make money out of the public. “There’s been a rapid normalisation of online as people see how _____ it can be. You see the industry adjusting to fight against that,” says Downey, security lead at payment company Braintree.

This was made _____ in May this year when there was an unparalleled attack on thousands of computer systems around the world, after a worm, named WannaCry, attacked computers in more than 150 countries, with payments of $300-$600 to restore access. There were an estimated 45,000 attacks across the UK, Russia, Ukraine, India, China, Italy, Egypt and beyond, with major companies _____.

One of the reasons these attacks spread so ______ is that businesses and consumers don’t update their software on a regular basis. Downey _____ it to a situation in which a car is left in a garage and a thief tries all of the doors to see if one has been left unlocked: “People don’t realize they are leaving that proverbial car unlocked because they don’t understand the nature of these _____attacks.”

At the heart of the problem is the ___of organized crime. “Criminals can also be an expert at business. They don’t want just one trick to bring in all of their income; it may be _____, they may have a slow month and then they’ll have a cashflow problem,” says Downey.

Hacks and the threat of information theft have led to a(n)_____ of e-commerce among some of the population, says Downey. To fight that unease, simple measures need to be adopted by retailers(零售商) in order to maintain the public’s trust.______, this can be achieved by ensuring they create a trustworthy environment for consumers, such as by serving websites through SSL, which establishes a secure and connection between the ______ and business.

But for both businesses and consumers, one simple thing remains ______: those who can keep both their security up to date and their passwords secure will be ahead of the crowd, says Downey. “You will then be far ahead of the curve of the average business or consumer.”

So don’t use variations of one password on lots of _____. If criminals hack a database with your log-in permit, they will then be able to ____ your passwords on other accounts. Make sure your passwords have lots of characters and include numbers, symbols and capital letters.______ obvious dictionary words, and importantly make each of your passwords completely different.