Selling technology. We are no different than any other technology. Supreme court, april 22. He is the ceo and founder. Thank you. Cspan. Created by americas Cable Companies and brought to you as a Public Service by your cable or satellite provider. On newsmakers, a Financial Services roundtable ceo. He will talk about key issues facing the banking and credit card Interest Rates . Credit card industries. From that prevent banks making speculative trade with their own money. Newsmakers, sunday at 10 00 a. M. And 6 p. M. Eastern on cspan. Host joining us now, lee rainie of the Pew Research Center, he is the director for the internet and American Life project. Thank you for joining us. 18 of people finding that their information has been compromised . Guest even more strikingly, we did a survey last summer asking the same question and found that 11 of Internet Users had had their really Important Information compromised, Social Security number, record number, a banking information, stuff like that. Just in january when we did this new survey, it jumps to 18 . It was particularly striking among younger folks, people between the ages of 18 and 29. So the line of breaches that we have seen in recent months starting with the target store breach around christmas time, now with new information coming out pretty regularly, a lot more people are aware of whats going on and they have probably had direct experience. Host with the server you took, how to these breaches take place . What kind of information was compromised . Guest we did not press people on that. We did not press people on that. It included such things as Social Security numbers, credit card numbers, and things like that. In many cases, people have heard from their credit card companies. They themselves did not discover the bridge, but their Credit Card Company said there is weird activity or maybe a credit application, something that does not have all of the right information, so they are hearing from banks and other finance companies that there are problems with their accounts, and that is what discovers it for them. Host what his reaction, though, as far as what people find out . Guest they feel hugely vulnerable. Many feel like theyre playing by the rules and they are following the basic good commonsense advice of they get from their companies and friends and stuff like that. Other people just assume the best. Theyre using the internet, nothing bad has happened so far, but they are now discovering that they have got a problem, and someone notifies them and things like that. The other number that was really interesting for the us is that 21 of Internet Users have found that an account of theirs has been compromised like an email account or social media account or things like that. People are newly sensitized to the idea that people are messing with their accounts and they can come back to haunt them. There is a lot of tension out there now that did not exist when we were just a couple of years ago. Host lee rainie, we live in an age where we are told about our information was of is a change in practice . Guest not so much. We know that lots of people would like to be safe online and take rudimentary steps to do that. It occasionally change their password, though it is still the case that lots of people use Pretty Simple and not very smart passwords. Are now more people sorted taking elementary steps and we saw in a survey that we did last summer that more people are encrypting their email or using Services LikeVirtual Personal Networks that allow their activity to be anonymized and hidden from viewers. Part of that is just there worry about surveillance, part of that is that they have heard enough Horror Stories from their friends and things like that. So there are hundreds of levels of awareness and it is stitched into a broad range of peoples concerns about their security and surveillance online. Host you hinted at this, but are there differences in how people protect their information depending on age and where they fall in that . Guest yeah, interestingly enough, one of the consistent things we found is contrary to what people believe, that young people are indifferent to privacy, that young people are not very protective of what they do. We actually find a younger adults and teenagers are the most active folks who are trying to do best practices and trying to keep their reputation say. One of the other elements of onlyof course is that not is personal information related to finances at issue but just your reputation, who you are, and what your identity is and who could know that and things like that. Younger folks are more active in managing a reputation, trying to keep up with their password than older folks. Even though there is a lot of finger waggling from their parents and grandparents, they are doing a little bit better job about that. But it is a new environment now where people sort of have a sense that they are being surveilled and sort of have a sense that their information might be compromised, and they are a little bit confused about what the right steps are because even though they have been told go to these websites and dont share any information unless you see attps, the signal of a secure website, or the little green lock at the top of your browser. If you see that, you can be safe. The horrible thing that has happened in the past days is the disclosure about the vulnerabilities in that system. Host lee rainie is our guest, he is with the pew center and talks about internet issues. If youd like to ask him questions about privacy and online concerts, here is your chance to do so. 202 5853881 for republicans, 202 5853880 for democrats, 202 5853882 for independents. Twitter cspanwj and email journal cspan. Org. You mentioned about event reported this morning with this michaels arts and crafts store, a data breach that occurred. Guest michaels is just the latest in the run of stores about the vulnerabilities that companies have had. He big one was targets during the holiday giftgiving season, but there are data breach is almost weekly at some level. A laptop is stolen with lots of government accounts on it. Lots of Web Companies now are having to disclose to their customers that they have been hacked, and basic information like email addresses and passwords and sometimes personal information like Social Security numbers have been hacked. So this is sort of an omni present aspect of online life now. What is interesting is that public apprehension has risen, there has not been a significant drop off in internet use. For instance, after the Edward Snowden disclosures in the National Security agency Surveillance Programs were unveiled, you might suspect that people who were nervous about such things would have changed their behaviors or that anyone of these data breaches like the target story might have driven people away from sites like that and basically using Financial Information and sharing their credit card number online. Absolutely not. Ecommerce, the willingness of people to share personal Information Online has not been interrupted by any of these disclosures. It is sort of an interesting phenomenon because you think if people felt this vulnerable, and if many people have experiences drug problems, they would be marching with pitchforks against somebody somewhere, yet there is not a tremendous amount of public outrage, even though people would really like the laws to be tighter and really feel more vulnerable. Ift i was going to say people have reacted i will give up on the internet altogether because of these things. Guest no, it is so baked into peoples lives that they do not feel they can afford to be off the grid. We are all network individuals. We depend on our friends to share things with us, we depend on it for news, for commerce and things like that. So it is in many cases not an option for people to go offline because that really puts them at a disadvantage or so many things come in and there is lots of enjoyment to be had on the internet, too. So it is not the case that people are fleeing. Theyre trying to figure out how to be smart about it, and things like the heartbleed bug come out in april there had to say even if the experts cannot prevent things like this, it is not too good of a situation for me. Host you mentioned the heartbleed. Is there a limited way to understand this . That runsre is a bug the secure website, the https websites and things like that, lots of websites, anywhere from 500,000 to one million or even more use this basic kind of software. What is interesting as it is Opensource Software. A company did not put it out. It is an open source immunity where people of their own time volunteer to write code to make things better on the internet. And it turns out that they ssled the open community made a mistake in coding. A simple mistake that was i inadvertent. Vulnerability that has existed for over two years because it was released in march 2012. There are so many eyeballs on it. One of the other iconic examples of open source stuff is the leading operating system, which runs lots of the servers that runs lots of websites. I would bet heavily that cspan servers are run with the linux operating system. There are lots of people looking at this code and find boehner abilities and one of the ways you increase your status and get a better job is to find boehner abilities or to write more elegant code. The problem with this open sll very manyere werent people doing it. It only got 2000 last year in 2013, so the people who are doing this are just doing it out of the goodness of their heart. Who wrote this mistaken code posted on new years eve because that is when he had a little downtime to try to upgrade some of the security in the system. The system has a variety of folder ability. Vulnerability. When the Affordable Care act whats i out, and it was privatey, written by a company or several private companies, some of the early reactions was we should have used Opensource Software because it is so much more ubiquitous and so many more people are watching her. This is the flipside that something really valuable is still causing a lot of problems. Host the first call for you come from paul in montana. Beler mr. Rainie, i hate to a wet blanket, but i have a very simple question to ask you. Why, what reason would someone have two posted their personal, private Financial Information and personal information in the computer when they know or suspect that it can be taken, misused, or abused . I would really like to know that. In many cases, companies have spent a lot of time and effort making systems really convenient for people to use was of you can go to a website, you can buy something in a couple of cliques of your mouth and get the thing delivered in a couple of days. In theis an upgrade Shopping Experience for a lot of people. The other thing is up until this heartbleed situation, most people were convinced that the existing Security Systems and the elaborate encryption of personal information was good enough to rent problems like this. The other thing that you often hear when people talk about why do people trust the internet in these ways when it is so clear that it can be hacked or there can be data breaches think about the last time you went to a restaurant or the last time that you gave your credit card to somebody at a coffee shop or at a bookstore. You are trusting that the system of recording that information, your waiter or clerk at the store was an honorable person that was going to be doing it. We are a credit carddependent society that is decided we really love the internet and all of the benefits that you get from it, and breaches are now a part of life because there are people that wanted a given edge of things like that. I was going to say you do not see to the people writing checks these days. Guest even those can be vulnerable and hacks. Host Security Breaches are a fact of life now says jody on twitter. Guest in the financial world, there is an arms you know, thers an arms race of hackers. Financial institutions of other kinds are in an arms race with hackers. Im sure a lot of viewers of this program have had the experience of their Credit Card Company calling them or writing them saying, there are weird charges on your account, so your behavior is being pretty well monitored. Your normal patterns, where you live, etc. , and if your Credit Card Company sees anomalies, they will flag it and you will get a call. Smart people are watching, people have the sense, and the systems are good enough to protect me. And even though we asked questions about vulnerabilities on the internet, people do not necessarily know where the breaches in their information came from. You are sharing information. It is hard to know exactly what the problem was. About thetalked changed practices. Heartbleed, it was a wakeup call. What happened to change it . Are mechanisms for that. A data breach becomes a publicrelations disaster, a problem for anybody who wants to change. The other problem, there is the white hack community out there, looking for vulnerabilities, and bringing them to the attention of companies they are hearing from. There are people having interactions with companies and parts of the internet oversight system saying these are problems, you got to fix them. Coding is a process. You keep making improvements. You keep finding problems. The system keeps improving even as its vulnerabilities are exposed. Guest is that why most of our cards have an magnetic swipe and other countries have an encrypted ship and could we see that . Host sure. We are not as far along. In scandinavia and parts of asia, people use their cell phones. It is not a matter strip. You use your cell phone. You can swipe that. People say, oh, my gosh, your cell phone is the well of your life. If that gets hacked, the vulnerability is vulnerabilities multiply exponentially. Of hackinge target could go from standstill computers to mobile computers. One of the problems with heartbleed is it is prebaked into the android operating system for cell phones. There are lots of android systems that use this encrypting, and there is a scramble in the community and google to fix it. Texasrepublican line from for lee rainie. Go ahead. Hi, fellas. My opinion is, these guys are so confident, so brilliant as they undoubtedly are, it just seems a little too conveniently keeps happening. They know everything that you do. My thought is at some point they will say everybody has to take a microchip, and i just want to say, im not taking no microchip and im pretty sure the average listener will not take no microchip. That is the mark of the beast. And that is how i feel. Interestingf the things since hardly came to attention is how fragile the system was. It is not that there are masterminds behind it trying to survey livery body. It was that there were a handful coders in charge of the central mechanism for securing Information Online, and i think there will be a very active effort now to increase the funding for the Security Systems system thisrt beat exploits and companies will try to step into the breach, because it was very convenient for lots of companies to take advantage, for free, of this open Source Software and put it in their systems. That was a best practice on the internet. Now i think they have a much more acute sense of the vulnerabilities, the limits of it, how few people were working on it. Software that lots of people work on is awesome. Having software a very few people work on could be very vulnerable. Host matt smith says yeah, that is the other side of it. One of the great arguments for the open Source Community is anyone can make a contribution. You do not need a credential. You do not need a pass card. If you feel like writing code, if you want to participate in a community, you are in. The way you raise your credibility and become an Important Community member is to make contributions. The way that this works amazingly well online, but there are also ways there are too few people being asked to do too much. Michael from alabama on our democrats line. Hi. Morning. Oh, i could not read his name on the screen without my glasses. There are millions or at least hundreds of thousands in this country who do not own of we haves because autism is, in my case a very rare or high functioning autism called asked burgers. This is also why i do not have a checking account, because the checking fees caught me way off guard in the 1990s, and so we pay cash for everything. Well, money orders, International Money orders when we buy stuff online. I admit credit cards are vastly more convenient. The good news is this has saved our bacon from getting into much too high reddit card fees. The bad news is, we are considered this has saved our bacon from getting into much too high credit card fees. The bad news is we are considered nonpersons for car dealerships, anything where you have to pay something on time. Also there are vendors on the internet who will not allow anything except paypal. Of any credit score, fica score, bills in Congress Like one that suzy orman is championing . Also, do you know any paymentive systems for most vendors will put where we do not have to put our telephone number and Social Security number and so forth . Thomas finally, what Security Breaches can you get on your computer just from belonging i do not want to chat sites. I belong to sites having to do with my art career.