Which one of the following valences would lead to the highest degree of motivated effort?

__________ is malware that encrypts the user's data and demands payment in order to access the key needed to recover the information

A. Trojan horse B. Ransomware C. Crimeware D. Polymorphic

One fraudulent scheme covers up a theft by creating cash through the transfer of money between banks. This is known as

A) lapping. B) misappropriation of assets. C) kiting. D) concealment.