The underlying causes are nothing to cheer about.

Amy Bernstein, editor of HBR, offers executive summaries of the major features.

Lorrie Faith Cranor studied thousands of real passwords to figure out the surprising, very common mistakes that users -- and secured sites -- make to compromise security. And how, you may ask, did she study thousands of real passwords without compromising the security of any users? That's a story in itself. It's secret data worth knowing, especially if your password is 123456 ...

Significant demographic shifts are only one of the challenges for a global business.