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Today’s most dangerous cyber threats don’t come from hackers breaking into systems- they come from someone convincing you to open the door for them. When most people think of cybercriminals, it conjures up the notion of dimly lit rooms full of nefarious characters feverishly typing computer code, attempting to access your sensitive personal data. But in today’s cybersecurity landscape it’s almost always much simpler; the criminals ask for information directly, and many people unknowingly provide it. These scams, referred to as “social engineering schemes,” manipulate your trust, sense of urgency, or make you afraid. The perpetrators use these tactics to manipulate you into sending money, clicking a link, or handing over access. These attacks don’t require technical sophistication; they rely on something much more powerful, your willingness to act- quickly, emotionally, and often without verifying critical details. The Real Risk: It’s About What They’re Asking You to Do It doesn’t...
07.05.2023For more than three years, the United States economy has been working through a massive set of disruptions related to the COVID pandemic, the subsequent policy responses, and the second-order effects of those responses including a spike in inflation, interest rate volatility, evolving living and working patterns, and accelerating technological innovation. These disruptions have touched nearly all aspects of our daily lives with significant reverberations throughout the real estate industry. Real estate is inherently cyclical and highly dependent on capital markets and debt for liquidity. Commercial real estate in particular has seen tremendous impacts from these recent disruptive forces. Transaction volume initially dropped and subsequently skyrocketed during the pandemic as stimulus and historically low interest rates drove investors into any assets offering positive yields. As a result, valuations increased as investors drove pricing higher in auction processes. Rents, particularly in the apartment and industrial sectors, increased substantially due to strong...