Sometimes the line between legitimate worry and pathological fear can be very thin. Certainly, in a business like insurance, we want to be sensitive to various threats and risks, but when do we say that we’re carrying that sensitivity too far? Most of us would be happy to be characterized as prudently cautious, but no one wants to be called paranoid.

In a recent Wall Street Journal piece, two U.S. senators—Jay Rockefeller (D-WV) and Olympia Snowe (R-Maine)—are saying that our country should prepare for a cyberwar. The article notes that the U.S. needs to prepare for cyber-attacks that could “disrupt or disable vital information networks,” and “cause catastrophic economic loss and social havoc.”

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