LIST OF COMMON CYBER SECURITY THREATS WHICH EVERYONE SHOULD BE AWARE OF
In this era where every organisation like healthcare, financial, logistics and transportation, Construction ,government services ,real estate ,retail etc. are moving towards digitization and digitalization, also becoming prone to cyber threats.
While everyone is talking about new regulations and compliances like Data Privacy, Information Security, GDPR etc., organisations are still unable protect their network and data from cyber criminals. Personnel Data theft news is making headlines every other day.
What the Cyber Security threat is?
In a layman term it is a malicious act which can damage data, steal data or disrupt digital life and ultimately impact organisation’s business objectives. These threats Masters of disguise and manipulation, and contently evolve new ways to accomplish their task of stealing, harming and annoying organisations. Organisations shall adequately arm themselves with resources and information to safeguard against complex and growing computer security threats and stay safe online.
These are common cyber security threats
What a virus is? A computer virus is a malicious piece of program that may disturb the normal functioning .Virus are often sent as an attachment with email ,with an intention to infect your computer system as well as all other computers in your network. Sometimes virus are hosted on websites, whosoever visits malicious website gets infected.
Examples of Computer Virus are: Browser Hijacker, File Infector Virus, Boot Sector Virus, Web Scripting Virus, Polymorphic Virus etc
What virus can do? A computer virus can attach itself to email attachment, pdfs, doc files, USB, pen drives and hard drives .Any file which contains a virus is called infected file. If the infected file get copied to computer, virus also get copied
- A virus can damage software and data on a computer
- A virus can slow down the system processes
- A virus can destroy all data by formatting the hard drive
- A virus can steal critical information like password from your system
- It can display unwanted advertisements
- It can disable security setting and close your firewall
- It can hijack your web browser and slow down the speed and can steal critical data
What a malware is:
A malware is a malicious program or software that infects your computer, such as computer viruses, worms, Trojan horses, spyware, and adware.
What malware can do:
- A malware can intimidate you by a pop-up message that tells you your computer has a security problem or other false information.
- A malware can reformat the hard drive of your computer causing you to lose all your information.
- A malware can alter or delete critical files.
- A malware can steal sensitive information like username and passwords.
- A malware can send fake emails on your behalf.
- A malware can take control of your computer and all the software running on it
What a trojan is?
A Trojan is malicious program that is disguised as, or embedded within, legitimate software. It is an executable file wrapped with some genuine program and software that will install itself and run automatically once it’s downloaded.
Example:Trojan- Banker, Trojan-GameThief , Trojan-Dropper, Trojan Ransom, Trojan-SMS, Trojan- Spy etc
What trojan can do?
- A Trojan can delete your files.
- A Trojan is used to create your computer a zombie or a bot.
- A Trojan can watch you through your web cam.
- A Trojan log your keystrokes (such as a credit card number you entered in an online purchase).
- A Trojan record personal information like usernames, passwords
What is a Ransomware ?
Ransomware is a type of malicious software that block the access to your computer system or your files, usually by encrypting it and displays a message that demands payment in order for the restriction to be removed. In many cases it comes with deadlines, if the victim doesn’t pay the ransom, the data is gone forever.
The two most common mode of spreading ransom ware are phishing emails that contain malicious attachments and website pop-up advertisements
Examples of ransom ware are: WannaCry, Crypto Locker, NonPetya, Bad Rabbitetc.
What Ransom ware can do?
There are two common types of ransomware:
- Locker Ransom ware: displays an image that prevents you from accessing your computer
- Encryption/Crypto Ransom ware: encrypts files on your system’s hard drive and sometimes on shared network drives, USB drives, external hard drives, and even some cloud storage drives, preventing you from opening them
Ransom ware encrypts the computer or data files and display a ransom/payment notification for regaining access. Once the ransom is paid, victim will receive the decryption key and may attempt to decrypt the files. Sometimes the victims never receives the keys.
What are botnets? Botnets -Botnet is a network of infected computers often known as zombies used for malicious purposes .This Botnet is combination of Robot and Network. So here the network of computer robots is used to perform cyber crime controlled by Cyber criminal known as bot masters.
Botnet is controlled by the originator and the infected computer might unaware of its being a zombie.
Example:IRC (Internet Relay Chat) botnet, P2P (Peer-to-Peer) botnet, HTTP (Hyper Text Transfer Protocol) botnet and the hybrid botnet
What Botnets can do?
- Botnet can be used to spread malicious emails.
- Botnet is used to spread malware.
- Botnet is used to perform Denial of Services attach
What is DDOS?
This is an attack a network of zombie computers us used to sabotage specific website or server. These zombie computer are being controlled for performing specific task such as making the website and server unavailable .In DDOS the attacker use the vulnerability existing in user computer
What DOS/DDOS can do?
The purpose of DOS/ DDOS attack is to make essential services unavailable, which can sometimes leads to server crash.
- Loss of data
- Loss of revenue
- Impact on business reputation
- Disappointment to users, they may never return.
- Compensation of damage occurred by DDOS.
What is Phishing?
Phishing is a social engineering attack used by cyber criminals used for gathering personal information of including login credentials and credit card details using deceptive emails or website.
Attackers create fake emails, text messages and websites which look like they’re from authentic companies. This is also known as “spoofing”
What Phishing can do?
By phishing hackers/cyber criminals trick you into giving them information by asking you to update, validate or confirm your account. It is often presented in a manner than seems official and intimidating, to encourage you to take action.
Phishing provides hackers/cyber criminals with your username and passwords so that they can access your accounts (your online bank account, shopping accounts, etc.) and steal your credit card numbers
What is Hacking? Hacking: Hacking is an attempt of unauthorised access to users computer by exploiting the existing vulnerabilities for performing fraudulent activities like personal data stealing , invasion in privacy, financial fraud etc.
What Hacking can do?
Hackers find out weakness in your system and exploit it for different purpose
- Denial of service Attack
- Electronic Fund Transfer
- ATM Fraud
- Identity Theft
- Stealing intellectual information
Ways to prevent Cyber Security Threats
- Educate employees and individuals about cyber security and its countermeasure
- Use inbound and outbound firewalls on your network. Change the default passwords and customise it according to your business needs.
- Take backup of important business information and data on regular basis, in order to maintain business continuity after crisis.
- Install and regularly patch antivirus and antispyware on every server and computers on your network
- Have a controlled logical and physical access to all your computer and network components.
- Always use licenced software and update the patches for Operating Systems and Applications
- Impose a password policy, use a strong password and change them regularly. Remember, weak passwords are prone to hacking
- If you are using Wi Fi at work, use WPA2 and above security. You can hide the SSID and don’t forget to use strong password.
- Don’t give Admin privileges to every employees. Network and Computers shall be run on Principle of least Privilege.
- Segregate your data according to criticality and appropriate security shall be provided by using DLP, Endpoint protection etc.
- Never click on suspicious mails and, never ever download from P2P and file sharing system
- Regularly scan your application and network for vulnerabilities, also perform penetration testing at least once in every year.
- Regularly monitor your network for suspicious activities
Using common sense is the best protection .One shall never download free videos, files or songs from suspicious websites, never click on suspicious links .Never ever share your personal data online. Be aware of what is happening around.Cyber threats are effective if and only if you have weaknesses in your system. More vulnerabilities will expose the system to threats and hence more risky, however less loopholes means less risk.
Remember Precaution is better than Cure.
Do you wish to multiply your income? Classy as it may sound, money is not something that can be earned only with hard work. As the saying goes, “Let money work for you rather than work those hated extra hours, to add a little more to your pocket.” I believe these lines to be absolutely true, when it comes to making right investment choices, tailored specifically to meet your financial goals. In finance, right investment choices are termed as an evenly balanced portfolio. Now you may ask: What’s a portfolio? In easy terms, it is a collection of all your money/ savings, divided into proportions of the amount you invest in each type of financial products- stocks, bonds, mutual funds, insurance policies, etc.
It’s basically a risk minimizing structure, designed to overcome misfortunes or economic failure. Let this line explain you better: Never keep all your eggs in one basket. Because if the basket tumbles, you are at a huge risk of breaking them all. Likewise, putting all your money in one type of financial product, could make you lose it all. Also, as I stated in my previous article, every investment option carries certain level of risk with it and you should always consider it, while taking your decision. Having said that, I know, how eagerly you must be rolling down your eyes, searching for those strategies, that will answer the question I quoted above! Well search no further.
Here are top 5 strategies/financial products you should park your money in and “enjoy the beauty of compounded returns” (Disclaimer: These strategies are long term in nature and only give a general view of some of the best financial products- with taxation benefits*)
Mutual Funds: Investing your money in a mutual fund, could turn out to be the best source of generating long term profits. With a risk factor varying from high to medium, the right way to participate in this type of investment class is through a SIP (Systematic investment plan), under which you are required to invest a standard minimum amount of Rs 500 (on a monthly basis). There’s no upper bar as to the amount you can invest and it solely depends on your capacity. Mutual funds, especially the ones focused on equity are known to even generate a compounded return of nearly 20% in a 5 years time.
Here are top 5 strategies/financial products you should park your money in and “enjoy the beauty of compounded returns” (Disclaimer: These strategies are long term in nature and only give a general view of some of the best financial products- with taxation benefits*)
1. Mutual Funds: Investing your money in a mutual fund, could turn out to be the best source of generating long term profits. With a risk factor varying from high to medium, the right way to participate in this type of investment class is through a SIP (Systematic investment plan), under which you are required to invest a standard minimum amount of Rs 500 (on a monthly basis). There’s no upper bar as to the amount you can invest and it solely depends on your capacity. Mutual funds, especially the ones focused on equity are known to even generate a compounded return of nearly 20% in a 5 years time.
2. In general, there are various types of mutual funds, which are managed by experienced fund managers, meaning your only job is to invest and the asset management company’s job is to manage it and reap good returns for you. Most important things to look out in a mutual fund scheme is the rate of return it is offering, the experience/ credibility of the manager who’s in charge of your funds and the net asset value of the chosen scheme. From taxation view point: Equity-linked Saving schemes (ELSS) are considered to be the most effective tax-saving instrument under section 80C, allowing you to save long term capital gains/ earnings (i.e,exceeding 12 months) uptoRs 1 lakh
3. National Pension Scheme: NPS is one of themost trustworthy and best low-risk investment scheme backed by the Pension Fund Regulatory and Development Authority (PFRDA). With no minimum limit for making an investment, this investment class offers a diversified portfolio in equity, fixed deposits, corporate bonds, liquid funds, etc. This investment option is a good way to secure your retirement life, especially when you aren’t that good at personally allocating assets for your future needs. Under NPS, there are different classes of investments, and just to make you aware of the returns it offers you, I am quoting the current on-going compounded returns of Class E funds: 1 year return: 9.5%, 3 year return:8.5% and 5 year return:11%. From taxation view point, NPS qualifies under section 80C, 80CCC, and 80CCD, where you can save whooping Rs 1.5 lakh every year. Tax deduction doesn’t end there. Under Section 80CCD(1B) an additional amount of Rs 50,000 can be saved. Furthermore, under section 80CCD(2) if your income is in the high tax bracket, you can ask your employer to contribute 10% of your salary, without you having to do any effort for the investment sake. Sounds fair enough?
a. Public Provident Fund: Considered one of the best risk averse mean of multiplying your income, a PPF account can be opened via approaching a bank or even at a local post office. Backed by the government of India, it serves as a long term savings fund with an impressive rate of return, currently at 8%, which compounds annually. Annual deposit limit for investment is Rs 500 at minimum and Rs 1,50,000 at maximum. Generally the tenure of this scheme is 15 years, which can be further extended to 5 years.
b. However an early withdrawal after the 7th year of opening an account can also be made. You are even entitled to avail a loan of 25% from the balance of your PPF. But I don’t recommend it, as the interest rates charged on it is generally 2% higher than the prevailing rate of a normal loan. However, the best thing about this fund is the unmatched tax benefit. The compounded interest rate that you earn on this fund is absolutely tax free, which means the amount you will normally collect after 15 years, will go straight into your pocket.
However an early withdrawal after the 7th year of opening an account can also be made. You are even entitled to avail a loan of 25% from the balance of your PPF. But I don’t recommend it, as the interest rates charged on it is generally 2% higher than the prevailing rate of a normal loan. However, the best thing about this fund is the unmatched tax benefit. The compounded interest rate that you earn on this fund is absolutely tax free, which means the amount you will normally collect after 15 years, will go straight into pocket your pocket.
4. Gold/ Gold ETF: Gold is one of the oldest investment class, that has existed for centuries, even before the financial system was established. In India, the love for Gold is no secret. A little heavy on the pocket, owning gold is a necessity, if you wish to reduce the risk factor from your portfolio. Unlike other financial products, the value of gold is far less volatile (fluctuating in nature) and the rule of time value of money isn’t applicable over it, meaning when the inflation rate is on the rise, gold has shown a track record of appreciating in value, unlike fiat money which shows a trend of depreciation in value. This positive trait of gold, can be used as a hedge, whenever the economic condition of the country dingles over a long period of time. Talking about the ownership, people often find it uncomfortable to store gold bars and coins at their homes, in fear of theft and therefore use bank vault facility, adding further cost. To breakthrough this, financial technology has come up with a modern way to own gold- Gold ETF (Exchange Traded Funds). Gold ETF is a commodity stock, which trades on the stock market like any other normal stock, with the only difference that it represents the real time value of gold as an underlying asset, meaning you are the owner of your gold, but only in papers. This type of asset has two benefits:
a) It allows you to own gold without the hassle of possessing it in physical form.
b) It is far more a liquid asset than real gold, meaning it can be easily bought and sold on the stock exchange anytime, generating cash-flows for you instantly. The investment cost is comparatively a little less in Gold ETF, as compared to that in buying physical gold. The current price of 10 grams of gold is around Rs. 34,110 with a daily price variation of around Rs. 100.
5. Cryptocurrencies: A completely new asset class, still under constant technological development, cryptocurrencies are the future of the finance industry. Thanks to the blockchain powered technology,enabling peer to peer transactions, meaning you will soon be able to transfer funds from your personally owned account to another, without the need of any intermediary (bank). This will give you complete ownership over your funds and its movement. But hey, this article is not dedicated to crypto, so lets limit our approach to the investment part only.
In the year 2011, the cost of 1 unit of Bitcoin (the first cryptocurrency to ever release) was around $0.31 meaning if you purchased around 100 units of it, that would have amounted to a mere investment of $31 equivalent to Rs 2,137.58 only. The next thing I am about to tell, might make you stand on your toes. On December 11, 2017, the value of one unit of Bitcoin shot as high as $ 17,549.67, meaning if you held your investment for only 7 years, you would be sitting on a net worth of $17,54,967 ($1.7 million) without spending any extra penny. Yes you read that right, you would have been a millionaire! However, the value depreciated again falling to $ 3,895.63 (current market value). Highly volatile in nature, this asset class is only for those having a high risk appetite and good funding. However in India, the use of digital money is still illegal, but that doesn’t mean we should be sitting ducks and not look beyond the potential crypto has to offer in the near future. Today, there are many types of cryptocurrencies, with new ones launching every year including the JPM coin, released this year, by the international banking giant JP Morgan Chase. Currently, the most well knowncryptos are Litecoin, Ripple, Ethereum, Ethereum Classic and Bitcoin Cash other than Bitcoin itself.
Blog by : Aman Sharma
Email : email@example.com
Contact : +91 91493 71029
What is Block Chain?
People usually connect Block Chain with Bitcoin, but the fact is Block Chain is a technology and Bitcoin is a Crypto currency. Crypto currencies are using Block Chain Technology to come into existence and grow its usage.
Block Chain actually has given a solution to a problem. People think it’s a product, software or hardware… Of course they are supporting ingredients to make Block Chain work. But my recommendation is to treat Block Chain as a Technology Solution that’s makes decentralized process possible.
Block Chain will change the way Organizations work.
Block Chain is the only solution to moving Organizations and Industries from a Centralized system to one that is Decentralized in order to bring Trust, Integrity & Security.
Let’s take an example of an online virus attack – whenever the world faces online virus attack, within a very small span of time, the whole internet faces problems.
In this scenario most of the antivirus companies start marketing their product, saying that they have the patch or solution upgrade, which can secure your computer.
How can Block Chain solve this problem? There are many solutions that come up around the world at the same time. Hence we can start punching these patches with the help of Block Chain and within a very small span of time, the whole world will be updated with a perfect security patch.
Hence this problem can be solved by decentralizing the update for antivirus and the perfect solution will be delivered at very low cost.
Now-a-day’s countries follow a voting system that uses electronic voting machines. These voting machines have now come into the radar of being hacked. This has happened because voting is centralized. If countries use voting systems with the help of Block Chain, then there is absolutely no chance of hacking, because this will take support of decentralized mechanism.
Media & News
We are experiencing fake news on many platforms of social media … This fake news harms society, people, community etc… Block Chain can solve this problem. Before sharing any news, if every media checks the news index provided by Block Chain, then fake news can be suppressed within minutes, and true news will keep on getting high index and will be validated.
Moreover this can help society vice versa i.e., most of the governments suppress news for their vested interests but after successful indexing of news via Block Chain, this problem will also be solved.
The biggest problem in the Legal Industry is that it has many areas, like security of documents, forensics… etc. Over a period of time, Legal Industry is the domain and this has been in news. Block Chain can solve the problem of making it centralized to decentralized.
Real Estate Registration
When a person buys a home, there are three parties involved – (a) Buyer (b) Seller (c) Registrar.
Whenever this deal takes place, papers are made and are registered with a centralized registrar which could be any Government Department. But Block Chain will solve this problem by making the centralized control to a decentralized one, hence making it more transparent, secure & cheap.
In order to send money across borders, three parties are involved, i.e., Sender, Receiver and Company (Bank). In This case you will register a deal at the Bank or Company’s Server which is centralized… and they charge huge commissions on this transfer. Block Chain makes it secure, simple and even free of charge.
Let’s talk about the Healthcare Industry. There is a big need to keep health records universal and secure. This can be achieved by using Block Chain Technology, again making it decentralized from centralized.
Some of the below industries will also get affected by the new process implementation in future Education , IPR Industry, Telecom, Share Markets, Genetics, Medical Research, Space etc.
(Note: “Centralized” – This is The word hated by Block Chain … That’s why the concept of Block Chain came into existence. Block Chain is De-centralized, that means many registrars and once the deal is finalized, every registrar updates their register and shakes hand. Please note – This Deal can’t be changed at all…By anything! Once punched, its registered..! This is Actually the Beauty of the Block Chain Concept.
This actually has solved the problem and the trust has increased….Business will become simpler, less expensive, cross border)
How does BITCOIN support the BLOCK CHAIN Concept?
Bitcoin is a crypto currency and it was in existence, but was finding its way to spread all around. It took the help of Block Chain to make it robust and go on … proved history.
What is Crypto Currency?
It’s a Digital form of Currency which has some value attached it.
Types of Crypto Currencies?
After success of BITCOIN, there is a wave of crypto currencies in the world, some of being Litecoin(LTC), Ethereum (ETH), Zcash (ZEC), DASH, RIPPLE(XRP), Monero (XMR), Peercoin, Namecoin…
A more interesting fact is that the internet has come up with a new Crypto Currency Exchange also, which keeps giving live information regarding Market Capitalization, Exchange Price in ($), Supply, Volume etc and it’s Live..!
Who are Miners?
Mining is the process of solving some mathematical problem.
Cloud Mining or Cloud Hashing enables users to purchase mining capacity of hardware in datacenters.
Bitcoin cloud mining enables people to earn Bitcoins without managing hardware, software, electricity, bandwidth or other offline issues.
Hence all Bitcoin mining is done remotely online.
What is wallet?
Its a software which can be installed on computer or mobile. Functionality of the wallet is to store, send and receive digital currency.
Most of the crypto currencies have their own wallet. We can use third-party wallets for this also.
Wallet actually acts as a personal ledger for all transactions.
Security of the wallet depends upon the source of the wallet developing company. It is always recommended to download from known sources.
Every Wallet will give you a key to access as a user. You should never forget or lose that key. If you lose that key, then you will lose your coins also.
Types of Crypto Currency Wallets:
Crypto currency wallets are available in different forms. We have Desktop Software Wallet, Mobile App Wallet, Online Wallet, Hardware Wallet, Paper Wallet etc
The impact of blockchain is no longer a matter of imagination and science fiction. Tech behemoths such as IBM have spent significant resources towards conducting comprehensive studies to understand how vital blockchain can be for healthcare, and dozens of high-octane blockchain startups have set out to revolutionize the healthcare space for the better.
The intersection of blockchain, tokenization, and smart contracts with the healthcare industry paves the way for new and highly innovative solutions to solve problems that have been festering for decades.
The startups in this article are utilizing the above technologies to fight dangerous and rampant global pharmaceutical counterfeiting, streamline the transmission and storage of medical records, and even create long-term incentivization-based loyalty programs for dental communities.
1. Fighting Fake Pharma with MediLedger
The pharmaceutical industry has been slowly bleeding out to the tune of $75 billion every year due to counterfeit drugs. With over 100,000 deaths worldwide directly linked to the use of these counterfeit drugs, fake pharma not only poses a global threat to corporate innovation but also to thousands of people unknowingly taking drugs that may end up killing them.
The fake pharma problem doesn’t show any signs of slowing down; experts estimate that an investment of $1000 in a counterfeit prescription drug operation could result in a $30,000 return – nearly ten times the profit of trafficking heroin. To spice up the deal for pharma bootleggers, the criminal penalties for selling counterfeit medications are far less than dealing their more illegal and nefarious cousins, making the profit margins higher and the risks lower.
The rise of internet pharmacies has also made it incredibly difficult for authorities to keep up with the tracking and verification of billions of pills shipped out every year. United States consumers are largely oblivious to the dangers of purchasing drugs online, as an estimated 36 million Americans have been able to buy drugs online without a valid prescription. Stricter regulatory supervision would require a technological asset to help track supply chains at scale.
That’s where MediLedger comes in. MediLedger is an open and decentralized network for the pharmaceutical supply chain. Blockchain has long been praised for its supply chain applications, and it has already been used broadly in large shipping networks that share similar logistical concerns as the pharmaceutical industry.
Using a project such as MediLedger allows pharmacists and patients to verify the legitimacy of their drugs, and even see minute details such as the date and manufacturing details for each order. MediLedger utilizes features such as compliance, track, trace, and security protocols to create a cost-effective GS1-compliant verification system for pharmaceutical companies. Regulators are also able to use the MediLedger platform to obtain crucial information whenever needed.
2. Decreasing the Patient’s Need for Patience with MedicalChain
Medical records create several cumbersome responsibilities for doctors, hospitals, pharmacists, and patients, particularly for maintenance and storage.
Medicalchain utilizes blockchain to securely store and maintain health records in a single location, allowing for different organizations such as doctor offices, hospitals, pharmacists, laboratories, and pharmacists to request permission to access each patient’s record.
Each patient would essentially be assigned a unique blockchain fingerprint that verifies their identity and provides them will full access and control over their data. Patients will be able to grant different levels of access to various users by setting access permissions and designating who is able to write data to their blockchain.
This feature is particularly notable in the context of the emerging trend of telemedicine, or the online consultation between doctors and patients using a webcam. Medicalchain would make it possible for patients to grant their digital doctor access to their records, ultimately leading to more in-depth consultations.
Maintaining medical records on the Medicalchainblockchain would not only offer higher degrees of flexibility in treatment, but is also much less expensive than current methods.
3. Incentivizing Patient Responsibility with Dentacoin
Although it might not be your typical healthcare startup, Dentacoin showcases a unique consumer-facing application of blockchain and smart contracts.
For many people, going to the dentist is an experience forced by circumstance rather than preventative care, and procedures such as root canals can be very expensive and painful. $440 billion is spent on dental treatment globally every year, and according to the American Dental Association, 90% of these expenses can be avoided if patients visit a dentist at least three times a year for early preventative treatments and checkups, while also establishing healthier dental habits like flossing and better nutrition.
Dentacoin removes the need for big insurance companies acting as intermediaries via smart contracts that link patients directly with dentists.
Essentially, each smart contract encourages patients to take control of their preemptive dental care such as flossing, proper nutrition, and routine check-ups with dentists. Additionally, patients can earn rewards by providing accurate reviews for each visit to help increase the overall quality of the dental community. Since these reviews are stored on the blockchain, they’re immutable and can’t be manipulated.
Dentists are incentivized to ensure long-term dental success for each patient using the Dentacoin network and are rewarded in small monthly contributions of the Dentacoin token, which can later be sold for fiat currency on a variety of exchanges.
Since its launch on August 17th, 2017, there are over 4093 dentists using the Dentacoin platform.
Blockchain enables a fundamental increase in the technological capabilities of multiple sectors that focus on the well-being and longevity of the human population. The startups listed above are not only showcasing how this new technology can impact such a critical industry such as healthcare, but they’re also paving the way for countless future startups and applications.
** Original article from SingleCare.