Although I knew it was just a demo, it was still an unsettling thing to watch.

At a panel presentation/discussion titled "Hacked: The Implications of a Cyber Breach," hosted by Travelers in New York City, Kurt Oestreicher, digital forensics specialist/cyber fraud, and Chris Hauser, 2nd vice president/cyber risk, both with the carrier's Investigative Services division and experts on cyber security, demonstrated for a captive audience how an unwelcome visitor can take control of—or "own," in hacker-speak—a fictitious retailer's web site.

Their digital infiltration took all of 10 minutes—and that was with Hauser and Oestreicher explaining to attendees exactly what they were doing, each keystroke of the way. Without having to provide that exposition, the same task could be accomplished in all of four minutes.

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