Schneier on Security: The Effectiveness of Air Marshals
schneier.com
schneier.com
I haven't had an antivirus on my home PC for years, I only make the occasional online scan, and carefully monitor the startup apps & services (windows pc)
do you mean network overhead? I think funny videos from youtube and pirated material is leader here.
The costs of fraud because some malware exposed your passwords. Time spent typing in captchas instead of something useful. Software developers spending time securing their code instead of making useful stuff.