cyber crime and security discussion

1) In your opinion, what level of the socioeconomic strata (i.e., social class - lower, middle, or upper) in the United States is most affected by cybercrime? Why do you believe that stratum is more affected than the others? Explain and thoroughly support your answer.

2) Which of the emerging trends cited by experts in the article "Security Predictions 2013-2014: Emerging Trends in IT and Security" (found at http://www.sans.edu/research/security-laboratory/article/2140) do you think has had (or more properly, will have) the most significant impact on information security, from a cybercrime perspective? Why?