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insight story metaverse

What metaverse experts think your business should know

  • min read
    • There's much noise about the metaverse, and a feeling business must get on board today. Should you dive in? Two metaverse experts say yes, and no. Kaspersky's new podcast, Insight Story, unpacks emerging tech trends with global specialists and businesses successfully using the tech. Episode 1 looks at the metaverse, with Cortney Harding, World Economic Forum Metaverse Council member and founder of virtual and augmented reality agency Friends with Holograms. James Whatley, Chief Strategy Officer at gaming industry agency Diva, also joins me. James's 2022 talk What Metaverse? garnered much attention from the marketing industry, debating definitions and the effectiveness of brand-sponsored 'metaversal experiences,' as he calls them. A more cynical onlooker could say the metaverse is the emperor's new (virtual) clothes. In its glitchy 2006 version I attended – or tried to attend – in-world conferences in the early metaverse, Second Life. My clever friend sold virtual shirts to passers-by, but the predicted virtual commerce revolution didn't ignite then. I was keen to explore with James and Cortney whether the metaverse is really open for business, or if FOMO (fear of missing out) and the hype cycle is encouraging investment before audiences are ready. From science fiction to (virtual) reality There's no single agreed definition of the metaverse. Metaverses are virtual worlds where users see the world and interact through characters called avatars. Using a virtual reality (VR) headset, interacting in a metaverse can feel like real life. It can mirror many real-world experiences, like shopping, going to concerts, even owning property. Some say it's 'the next iteration of the internet' or 'Web 3.0.' Metaverses like Activeworlds and Second Life have been around for over 20 years. Others exist within online multi-player games like Fortnite and Roblox. Facebook changed its name to Meta in 2021, signaling a future focus on virtual experiences. Should businesses be in the metaverse? Cortney Harding says brands should approach the metaverse from their own perspective. "It depends on your audience. If you're a bank, you probably don't need to build a metaverse world right now – they've tried, and failed." Examples abound of banks establishing an often half-baked presence in the metaverse, then quietly backing away. Cortney continues, "If you're a consumer brand focused on a young tech-savvy audience, you should start thinking about it." But it's not about audience age. "It's more, is your audience tech-savvy? And niche communities are often strong in the metaverse." According to games researcher company Newzoo, more than a quarter of gaming metaverse users are age 36 or older. James Whatley thinks brands should work to understand not just who is in the metaverse, but why. Nike's success in Roblox is often hailed as an example of a brand getting it right. Their Nikeland shop, selling virtual Nike gear, attracted 7 million visitors in its first two months. James notes, "They're doing great, but copying Nike is not a strategy – it's looking and learning from it." Cortney gleans this from Nike's success: "You must resource metaverse worlds correctly to keep them going, making sure people have reasons to return. Nike has social events, and guest speakers – they give people a reason to go there." In developing metaverse experiences, brands should consider what makes the metaverse different. "In early VR, I saw directors do what's in 2D except in a VR headset," says Cortney. "Embodying an avatar with your voice is different than typing or watching a video. How can you harness that? Think beyond replicating and get to the point where it's creating something wholly new." Metaverse for good Cortney works with clients using metaverses and linked technology like VR for the greater good. "I do VR training around racial bias, child welfare, mental health and more. It lets people be in a space they've never been in and experience things like bias or exclusion, in hope they'll better understand what it feels like." PwC research found bias awareness training in VR is highly effective: "75 percent reported a 'wake-up call moment' that helped them identify times in their past when they had not been as inclusive as they'd thought. V-learners were up to 275 percent more confident to act on what they learned after training." Cortney also sees work needed to prevent bias being 'baked in' to the metaverse as it has been with other tech. "Many who built the current internet came from the same background. We want to build a world that's inclusive and safe – one everyone can be part of." Examples of creator bias leading to tech that discriminates include, voice recognition not recognizing women's and people of color's voices because its training data sets mostly contain white men's voices. Soap dispensers, fitness trackers and heart-rate monitors have also been found to rely on users having a light skin tone. It's unsurprising women have higher rates of injury in car accidents when you learn that a truly woman-shaped crash test dummy is a new thing – previous 'female' dummies were simply a smaller male dummy. Cortney appeals to brands to stay aware of how their metaverse presence affects customers. James agrees. "I believe video games are good for building community, and they have done for decades. Whatever the next iteration of the internet, the community piece comes where humanity goes." Alongside many good experiences, research shows more than half of children who play online games experience harms like bullying, hacking and inappropriate contact at some point. Raising your metaverse understanding Cortney says companies dipping a toe into the metaverse shouldn't expect too much at first, but should be in it for the right reasons. "If you look at some websites from the early days of the internet, your eyes will bleed out of your head. We can't expect everyone's metaverse execution will be perfect at this point, but you need more of an idea than just having heard a buzzword." If you choose to go there, James recommends involving metaverse natives. "Bring in the Roblox audience to help build, because they understand it. Get people with gaming experience – they understand narrative and interaction. Make a small investment, start experimenting, have people work on it as a side project. So when things start to really shift, you haven't ignored it." He thinks brands should avoid thinking metaverse is the answer, instead considering all options. "If you want to build a community around your brand, there are other ways. Do stuff in social media. Look at your customer relationship management (CRM.) Don't close the door – be aware of it, but act when it's right for your business." Metaverse cyber risks As new tech arrives, so do new threats. What are the cybersecurity implications of the metaverse? Fabio Assolini is head of research in Latin America for Kaspersky Global Research and Analysis Team (GReAT,) uncovering and understanding cyber threats in digital environments, including metaverses. "We're concerned about the kinds of attacks already common on Meta platforms like Instagram, Facebook and WhatsApp. On new platforms, we expect the same, like fraudsters impersonating brands," says Assolini. "We also expect more complex attacks like SIM swapping, where cybercriminals hijack users' phone numbers to receive authentication tokens." Assolini is also concerned about unclear roles and responsibilities in the metaverse. "If I'm a business and investing in, say, a launch party in the metaverse, is it my responsibility to put encryption and other security in place? Or is it for the end user to be more savvy when they're joining these experiences?" 'Cryptojacking' is another concern in the metaverse. Hacking users' devices to use their processing power for mining cryptocurrency is seriously on the rise, with Kaspersky research showing a 230 percent increase in 2022. While Meta's chief technical officer says moderating user behavior "at any meaningful scale is practically impossible," business will be glad to know metaverse security concepts are roughly the same as any online, digital environment. "Fundamental security practices carry over because the architecture is the same. It still runs on a server, you have databases on the backend, user and password management, and so on," said Nick Donarski, co-founder and chief technology officer at blockchain company ORE System. Best metaverse advice for business I asked James and Cortney their best metaverse advice for business. James says, "Go the extra click. If someone sends you a headline saying this is where the future is, find out where that's come from. Who paid for that data? There's an often-cited report from McKinsey valuing the metaverse at 5 trillion US dollars. When you look at where that figure came from, it doesn't mean anything." Cortney says, "Just start learning and experimenting. It's free or very cheap to sign up to many metaverses. Create a world just for fun. Spend time talking to people. Then you'll understand what you like, what you don't like, what could be better. You'll be more informed – or worst case scenario, have some fun." Listen to the full Insight Story audio series on Podbean or your usual podcast provider.
paper dead shredder

Is paper dead?

  • min read
    • For retailers, predicting customers' future wants and needs is crucial – especially in this era of disrupted supply chains. I hope you won't recognize this story as something that might happen in your business, but it demonstrates how soon retailers of all sizes could find themselves in a new future. I bought a blouse recently from a traveling vintage clothes seller. Picture several racks of bright retro outfits set up under a caravan awning with a changing room crafted from tie-dyed blankets. Incense hangs in the air, as does the ringing of tiny bells attached to the seller's impossibly long hair, jingling as she wanders around after customers, straightening coat hangers. To pay, I offer cash, but she instead presents me with a beautifully calligraphed sign showing her bank account details. Given the riskiness of this practice, I offer a moment of security education. She tells me she's in the habit of giving out her bank details because it means more sales, and keeping enough change around is hard when you're always on the road. Even those on the fringes are moving towards electronic payment for its convenience and customer preference, albeit sometimes not in ideal ways. When it comes to meeting customer expectations in how your transactions happen, are you ready for a future where paper money, receipts, plastic cards are a thing of the past? Could your retail business work in a world where all money is changing hands by smartphone? Among Kaspersky researchers' privacy prediction for 2023 is that we'll keep seeing smartphones and other smart devices encroaching on activities once dominated by paper and plastic cards. A future where all we'll need is a smartphone seems close when we're paying by near-field communication (NFC) like Apple or Samsung Pay or QR code like Swish, or using apps to show COVID-19 testing and vaccination status. What does this mean for paper and plastic transactions? And what privacy and security issues should business consider when it comes to doing it all by smartphone? Environmental reasons to stop using paper and plastic Some might say the sustainability drive to eliminate paper and plastic in business transactions is overplayed. While both have significant environmental impacts, business transactions are not a major source. Meanwhile, electronic transactions can be responsible for much energy use and the equipment used will ultimately become resource-heavy and hard-to-recycle ewaste. Gen Z, Millennials and those younger will do much to avoid adding more plastic and paper to the world. Regardless of environmental impact, consumer demand for more convenient paperless and cardless transactions will only grow. Processes likely to move to smartphone apps Digitized identity documents look set to be the next big frontier for smartphones. It's already been a common approach to declaring COVID-19 testing and vaccination status worldwide, but soon passports, driver licenses, student IDs and more will be made available through apps. Germany started using app-based ID cards in 2021. Around the same time, Apple announced several US states would make digital identity cards and driver licenses available using Apple Wallet. ID stored on phones brings convenience and risk. A well-implemented system would let stores verify customers' age without seeing personal details they don't need, like home address – also known as 'zero trust' security. Digitized IDs could also speed up know-your-customer (KYC) procedures when applying for a loan with a smartphone. But using a smartphone to store growing amounts of personal data introduces 'single point of failure' security risk. Those who develop and commission smartphone software like apps must ensure top-notch device security and privacy-preserving data storage. Cardless cash withdrawal at ATMs is taking off around the world, especially where bankcard fraud is more common, like India. Smartphone apps enable cardless withdrawals, for example, scanning a QR code on the ATM screen with a payment app like Google Pay, or using near-field communication (NFC.) Again, these transactions aren't without risk. Speaking to price-comparison service Bankrate, Ricardo Pina, founder of personal finance blog The Modest Wallet, said, "Since bank cards are being replaced by phones, criminals will now be more enticed to target and hack your phone to mine your data, information and even change your phone and bank app settings." When will paper and card transactions become history? Those who run businesses that experience higher overheads thanks to processing cash, cards and printed receipts may dare to dream of a world where these go the way of the 'check.' Ubiquitous throughout most of the 20th century, many banks have stopped issuing and accepting these. Check payment is expected to be extinct by 2026. Those old enough to remember when checks were commonplace might think they'd disappeared years ago. But sometimes these methods strongly persist in parts of an economy that need them for specific reasons. A few years ago, a friend and I hiked the five-day South West Coastal Path in Cornwall, UK – and yes, it was glorious. This part of the UK is far from any major city. We were surprised to notice most bed-and-breakfasts  accepted only cash or check. Once we understood the area's geography, we paid by check wherever we could. Traveling on foot and far from towns, it seemed unwise to part with cash we might need. These businesses told us they didn't take card payments because they only had customers in summer, making point-of-sale machines uneconomic. Similarly, can smartphones – and reliable access to affordable data to operate apps – be all things to all people in all places? While access to mobile technologies has certainly enabled greater economic participation from marginalized people, we can easily overestimate how many can and will use these technologies if we use them or see them used around us often. Pew Research estimates around 85 percent of the US population owns a smartphone, but in China and India, it's lower at 70 percent. While China leads the world in mobile payment adoption, smartphone ownership numbers don't tell us how many people could use their smartphone for payments – for example, successfully download and register to use payment apps, and access data when needed. Cash transactions still account for far more business than many people think – in 2021, customers used cash for over 20 percent of point-of-sale transactions globally, according to the International Currency Association. Many businesses wouldn't survive losing 20 percent of their sales. There is also the inevitable backlash against smartphones because of negative mental health impacts, seeing some choose to quit or radically reduce how much they use them. It seems paper- and card-based identity and payment options will be with us much longer than we think, if the lifecycle of check payment is anything to go by. For small business, alternative point-of-sale card payment providers are fast making accepting cards more affordable, making paying by card even more ubiquitous without reducing security. When it comes to taking payment, it 'pays' to be flexible and listen to what your customers want, rather than focusing on what suits your business. Meanwhile, keep an eye on evolving technology making retail transactions simpler and more affordable.
cybersecurity predictions

What a year of changing cyberthreats can tell business

  • min read
    • For business leaders, knowing what's changing in cybersecurity helps you recruit the right people with the right skills today for what you'll soon need. Kaspersky's 2022 Security Bulletin (free download) analyzes which attacks their global cloud service Kaspersky Security Network (KSN) has detected, blocked and disabled over the past year. There are some numbers your business will want to know about. 15 percent of users had a malware attack Kaspersky Security Network blocked malware-class attacks on some 15 percent of users in 2022, or around 1 in 7. This shows just how common malware is. The malware class of attacks covers familiar cybercrime tools like viruses, trojans and ransomware. The countries where Kaspersky's software blocked the most malware attacks in 2022 were Tunisia, Taiwan and Algeria. 506 million web-based attacks Web-based attacks result from users downloading files that then trigger a cyberattack. These might come from websites made by cybercriminals, infected online resources within user-created content (like online forums) or legitimate resources that cybercriminals have hacked. Cybersecurity education can be a powerful tool in preventing web-based attacks. Heathrow Airport has a novel staff cybersecurity education that carefully targets those needing it most with 10-minute online learning modules. 1.4 million cryptocurrency mining attempts Cryptocurrency mining is very much on the rise. Kaspersky Security Network detected around 1.4 million attempts to install mining software in the past year. Mining means digitally solving complex mathematical problems that verify cryptocurrency transactions, which also earns cryptocurrency. It slows devices and uses much electricity. In November 2022, Kaspersky announced they'd seen a 230 percent growth in cryptocurrency mining in the third quarter of 2022 compared with the same period in the year before. 102 million attempts to visit malicious URLs Malicious URLs are a common tool in 'phishing' attacks – when cybercriminals send emails inducing recipients to click on links, downloading malware. Endpoint security is vital in protecting against phishing, as is employee cyber-awareness. 377,000 attempts to steal money These attacks were often in the form of 'banking Trojans'. In early 2022 a particularly sophisticated money-stealing Trojan popped up that masquerades as a banking app and imitates phone conversations with bank employees. The app fooled many, highlighting the need to teach employees 'cyber hygiene' – like remembering to pause and think before downloading anything. Those who provide legitimate apps or financial services might also reflect on how they can show customers their products are trustworthy. These big numbers in cybersecurity over the past year show how threats to business are growing and changing. Cybercriminals always find new ways to get through consumers' and employees' defenses. By combining hiring the right people with robust cybersecurity education and strong security solutions, your business will greatly reduce its chances of a serious attack succeeding. Then, you can spend your time on what you do best.
neurodiversity interview nicola whiting

How cybersecurity businesses are welcoming neurodiverse talent

  • min read
    • Neurodiversity's importance in organizations is gaining steam, with many large, tech-rich enterprises like Ford, IBM and Microsoft reforming their HR processes to ensure they recruit and retain neurodiverse talent. Neurodivergent people have conditions that mean they think differently than others, for example, autism, attention deficit hyperactivity disorder (ADHD) and dyslexia. I asked Nicola Whiting MBE, co-owner of Titania Group and NeuroCyber board member,  why neurodiversity matters in cybersecurity and how businesses can be more inclusive and supportive of neurodivergent employees. Gemma: Why is neurodiversity important? Nicola: Neurodiversity – where you have many different thinking styles and perspectives – increases the range of ideas in a business, which means competitive advantage in innovation and resilience. It's the opposite of groupthink – when everyone has similar ideas, so businesses stagnate and make poor decisions. More personally, being autistic, I'm saddened by how many brilliant neurodivergent people struggle to get jobs in our industry, despite the known skills gap. JPMorgan Chase reported in 2021 that neurodivergent employees in certain tech roles may be up to 140 percent more productive than neurotypical colleagues. However, businesses still struggle to build inclusive practices that let all neurotypes thrive. I want to help change that. You're on NeuroCyber's advisory board. What are its aims? NeuroCyber's founder and CEO, Mike Spain, has a neurodivergent son. He saw too few opportunities for neurodivergent people in cybersecurity and wanted to change that. NeuroCyber believes in inclusion at every level – over half the board are neurodivergent. We're driven to improve career outcomes for neurodivergent colleagues, enriching the sector and reducing the UK's cyber skills gap. Why does the cybersecurity industry especially benefit from neurodiversity? In cybersecurity, everything we do is either innovation – creating new things – or resilience against attack and business threat. Neurodiversity is essential for both. For example, if you follow the principle 'to defeat an attacker, you must be able to think like an attacker,' you need a variety of neurotypes because attackers are similarly varied. What about in leadership? Should boards and C-suites consider neurodiversity? Absolutely. Boards should be especially wary of groupthink. Many innovative, well-known entrepreneurs are neurodivergent, like Richard Branson, who is dyslexic, and Elon Musk, who is autistic. There are also many neurodivergent industry leaders who don't disclose the fact because they fear stigma. Which cyber organizations are 'doing it right' with neurodiversity? One organization I admire is Genius Within, founded by Dr. Nancy Doyle. They believe in creating inclusive workplaces, allowing neurodivergent people to thrive and maximize their talents and strengths. What's your advice for companies that want to become more diverse and inclusive of neurodiversity? Follow the principle of 'nothing about us without us' (NAUWU.) Teams that can drive their processes and practices are more engaged and have better outcomes. You should also acknowledge that people have unconscious bias that draws them to prefer working with people that look and think like themselves. You can see it in the questions we prioritize in recruitment like, "Will this person fit with the team?" rather than, "What new skills and talents will they bring, and how will we support them?" There's plenty of fantastic advice on reducing bias in hiring and retaining team members, much of which is free. Companies needn't look far to learn how to improve their processes, practices and culture for greater diversity and inclusion. What will organizations gain if they take action on neurodiversity? Taking action on neurodiversity can mean benefits in terms of growth, innovation and resilience to risk. You'll also gain the personal benefits of inclusive, welcoming work environments. It always pays to diversify. Opinions reflect those of the expert. Interview has been edited for clarity.
cyber future interview

How business can use cyber futurism to see what comes next

  • min read
    • With new technologies like the metaverse arriving regularly, how can business leaders and cybersecurity professionals know what new threats to expect? Futurism – analyzing future scenarios to inform today's decision-making – is one way. Victoria Baines is professor of information technology at UK's Gresham College and a former Facebook executive and Europol officer. She uses future scenarios to understand technology today and how we should prepare for threats to come. We chat about what these scenarios reveal about our world today, what might happen with new technologies like the metaverse and what business can do to keep users safe. Gemma: What does it mean to explore the future of cybersecurity through scenarios? Victoria: Scenarios are not predictions, but if you do them right, they tell you as much about your situation now as what might happen in future. It's not just threats – it's how the world's changed, and what the tipping points may be. The pandemic was a tipping point for remote and hybrid working, but many find hybrid work just means doing all the things, all the time – the expectation they'll be available constantly for online and physical meetings. We'd been working up to that for a long time. Reliance on email was a compelling signal we needed to find something better, quieter, with less churn. I think we'll see something like that with the metaverse. We've now got the ultimate business case for it because Zoom and Teams aren't enough to feel like we're really working with people – we're still just on a call. Futures methodology is as much about exploring our present and spotting things in the past. What have you found out about the metaverse through your cyber futures work? Although there's hype and uncertainty around the metaverse, we have certainties about how it will develop. For example, Apple will probably bring out, or at least announce, a mixed-reality headset next year. However expensive, people want to use whatever Apple brings out. So we'll see people wanting Apple's mixed-reality headset in a way they haven't wanted other virtual reality (VR) headsets like Hololens or Oculus. This will significantly speed up metaverse adoption. The metaverse is less of a tipping point and more of an evolution. Roblox, Fortnight and Second Life are already metaverses. They use the feeling of presence and co-presence, and there's old research on this – academics like Mel Slater and Ralph Schroder showed us that being together virtually is emotional – it brings about positive reinforcement. We'll need AI-powered synthetic individuals to bump into in online social spaces because we need to feel like we're interacting with people – shaking hands, having sex and so on. We'll probably need 6G to power and connect all that technology, particularly if we want to use it when out and about. What security implications have you identified in the metaverse? Nothing's 100 percent secure – we must assume there'll be technical and human vulnerabilities in every aspect of VR, augmented reality (AR) and other metaverse-enabling technologies. In these scenarios, we look at all those vulnerabilities. We have signals already, like the panic around 'zoombombing' – hackers interrupting video conferencing with obscene and violent material. It happened because people shared their passwords on the open internet. We needn't panic – basic security measures would deal with it. But it shows that exploitation and infiltration will also play out in VR and AR. Are there new cyberthreats for the metaverse and related immersive technologies, or is it the same threats in new spaces and technologies? Much of it comes back to basic digital hygiene like patching, updating, and installing antivirus software. Basic 'handwashing' can do much to prevent ransomware infections. In that way, the new stuff isn't new, but we haven't given it enough attention. We've viewed online harm as less impactful – as it's not physical abuse, we treat it less seriously. With metaverse technologies, you can physically sense resistance and impact, which means opportunities for physical assault. That has an operational impact for information security and cybersecurity. What implications do these threats have for cybersecurity leaders today? Technical information and security aspects become more important in addressing psychological and physical harms in these connected spaces. Pacemaker interference with medical internet of things (IoT) signals that. We already have people walking around with internet-connected medical devices like defibrillators, insulin pumps and continuous glucose monitors. If those don't function properly, and if somebody dies, the question of responsibility arises. If it hasn't already happened, Chief Information Security Officers will be asked, 'What did the data say about any interference with that pacemaker? Was the firmware up to date?' We can see something similar playing out in the metaverse. Everyone will say it's someone else's responsibility – those who make the hardware will say it's the experience developer's responsibility, they'll say it's the user's responsibility, and so on. People used to thinking only about data security and network security must now consider users' physical safety.
data ethics interview

How data ethicists are helping tech business be better

  • min read
    • Using data responsibly is a hot topic. Tech companies must ensure they don't cause harm, for example, by breaching consumer privacy or reinforcing bias through automated decisions. It's a moral and legal question, but it may be unclear how businesses and governments should approach their data responsibilities despite increased regulation. We still see egregious data use practice. Alice Thwaite is technology ethicist and responsible owner for ethics at OmniGOV, MG OMD, working with the UK government on communications and advertising. We chat about what data ethics means in practice. Gemma: What does it mean to be a data ethicist today? Alice: Ethics is the study of how to live. An ethicist takes a theory of how humans want to be treated and how we should interact with the wider world, and thinks about how an action or technology could contribute to that goal. We use ethical methodologies and knowledge about the consequences of a technology or business model to transform the business into one that prioritizes ethics. Businesses have always operated in the realm of ethics, but usually without a systematic approach. Ethicists co-create frameworks with stakeholders like customers, colleagues and wider society so that an organization's values become critical in business decisions. What does that look like in practice? First, we help organizations understand where they're making ethical decisions and show how they'll need a more systematic process to reach their ethical goals. Second, we educate organizations on ethical methodology and issues. Third, we assess practice to understand what the company wants to prioritize and how current practice meets ethical goals, making suggestions like 'ethical pilots.' Finally, we implement and measure ethical pilots so they can become policy. We don't work in a vacuum – we must be in constant contact with various communities. For example, before establishing diversity, equity and inclusion (DEI) initiatives, a company might think racial equality is important but have no roadmap to get there. With an influence campaign, education, auditing and an implementation program, they may still have a way to go. But they're now measuring ethnicity pay gap and thinking about inclusive work environments for different people. They can keep following the 'influence, educate, assess, implement' process to fruition. Where do organizations start? What tips do you have for those keen to start doing ethics? Hire someone to build an ethical program and link them with a sponsor who can ensure the organization implements their recommendations. They may have a degree in philosophy, international relations, social science or community work experience. Ensure they can learn as much as possible about business ethics and support their attempts to transform the culture. Those in data security or compliance should recognize an ethicist has different processes. The goals may be similar, but the process aligns more with social science and humanities methods. What questions should organizations wanting a data ethicist ask? Are we committed to change? Do we want a world prioritizing human values like democracy, dignity and freedom? Are we prepared for the discomfort that comes with changing procedures? If you're prepared to change, write a job description incorporating things I've mentioned and encourage your team members to apply. Opinions reflect those of the expert. Interview edited for clarity.
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About Secure Futures

Secure Futures magazine is your go-to business guide for opinions, trends and insight into the world of technology and cybersecurity. We help your business to bring on the future. Brought to you by Kaspersky, the global cybersecurity experts.

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