Mr. Pat Larkin:

It depends on the cyberinsurance model. Offerings in this regard are evolving. Increasingly, because of the degree of this type of crime, the cyberinsurance sector is restricting its services and the payments it makes. It is reducing this scope significantly. There is facilitation, however, because of the assumption that the only way out of such situations for affected organisations is to pay. The other option is to try to back up and recover information. In some cases, the situation is so catastrophic for organisations that even if they have back-ups and their infrastructure is encrypted, the time to recovery could be business-ending.