Life has been revolutionized by computer networks and the Internet. Vital sectors of the economy depend upon networks and the Internet for their existence. The financial, health, and government sectors, for example, all rely on networks for their daily operations. Banks transfer money electronically through the banking system's Automated Clearing House Network. Medicare uses an electronic system for patients' billings. Also the Teachers' Retirement System of New York and the Social Security Administration make pension payments electronically into pensioners' bank accounts. The Int