Universal Life is a type of permanent life insurance based on a cash value. That is, the policy is established with the insurer where premium payments above the cost of insurance are credited to the cash value. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance charge, and any other policy charges and fees which are drawn from the cash value if no premium payment is made that month. The interest credited to the account is determined by the insurer; sometimes it is pegged to a financial index such as a bond or other interest rate index. The potential advantage of the universal life policy is in its flexibility and the potential for greater cash value growth if the interest rates offered outperform the insurer's general account (that whole life policy cash value growth is based on). Universal life is more flexible than whole life in two primary ways: the death benefit and usually the premium payment are flexible.

Cyber Espionage

Cyber espionage is the act or practice of obtaining secrets (sensitive, proprietary or classified information) from individuals, competitors, rivals, groups, governments and enemies also for military, political, or economic advantage using illegal exploitation methods on internet, networks, software and or computers. Classified information that is not handled securely can be intercepted and even modified, making espionage possible from the other side of the world. See Titan Rain and Moonlight Maze. General Alexander notes that the recently established Cyber Command is currently trying to determine whether such activities as commercial espionage or theft of intellectual property are criminal activities or actual breaches of national security.

Sabotage

Military activities that use computers and satellites for coordination are at risk of equipment disruption. Orders and communications can be intercepted or replaced. Power, water, fuel, communications, and transportation infrastructure all may be vulnerable to disruption. According to Clarke, the civilian realm is also at risk, noting that the security breaches have already gone beyond stolen credit card numbers, and that potential targets can also include the electric power grid, trains, or the stock market.