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He spent the next six hours in a panicked haze, calling a tech-savvy friend who delivered the grim news: "Mark, it's a Trojan. That wasn't a 'free' download. It was a skeleton key for your entire digital life."

Mark frowned. He tried to open his web browser to search for troubleshooting tips, but a window popped up instead—a simple, black command terminal. Lines of white code began scrolling at a speed he couldn't follow. Download File CyberLink PhotoDirector Ultra 14....

Mark didn't have the money for the ransom, and even if he did, there was no guarantee the hackers would send the key. He had to tell his clients he’d lost their memories. He had to wipe his hard drive and start from zero. He spent the next six hours in a