In a global first, Europe’s main bank regulator is revising the framework that sets capital requirements so that

By Sharon Bernstein Florida has told school superintendents that the Advanced Placement psychology course offered to high school

Do you know your phishing from malware? One in six older adults admit they are completely “baffled” by digital terms. A study of 2,000 over-65s found the likes of hyperlinks, phishing and “The Cloud” are among the jargon which leaves people scratching their heads. Processor, malware and USB-C also made the top 20 list of confusing terms - with cookies, IP addresses and smishing also featuring highly. It also emerged 11 per cent think digital terms are so complicated that a foreign language would be easier to learn. To help older people get a better understanding of online jargon, BT Group has partnered with AbilityNet and lexicographer Susie Dent, to create a Digital Dictionary consisting of the 21 most commonly misunderstood words used on the internet. Susie said: “Whilst so much of modern life seems easier online – whether that’s booking a doctor’s appointment, managing your finances, or doing the weekly shop – we’re forgetting one crucial thing: it’s only easier if you understand the language the web is built on. “So, it’s great that this Digital Dictionary is a guide that simplifies the language.” The survey also found the over-65s spend just five and a half hours a week online, with 78 per cent feeling left behind by their lack of knowledge. Just over half (54 per cent) wish they were more knowledgeable when it comes to computing, but 17 per cent of these feel a lack of motivation. Other issues include feeling there is simply too much to learn or needing someone to show them what to do. But 16 per cent worry others will see them as a burden if they ask for help understanding different areas of technology. The main feeling for people who struggle with online jargon is frustration, though others feel silly, or stupid. And while easy access to information (31 per cent), convenience (17 per cent) and keeping in touch with friends and family (15 per cent) were deemed good things about the online world, many had negative things to say. A third (34 per cent) say their least-liked thing about being online is scams, with 14 per cent having privacy concerns. One in 10 (10 per cent) also stress that not every piece of information they see online is credible, according to the OnePoll.com figures. Victoria Johnson, spokesperson for BT Group added: “As younger generations grow up with the internet, it gets even harder for older generations to understand ever-changing online jargon. “But for anyone who isn’t a digital native and didn’t grow up with smartphones or super-fast broadband, it can feel like a whole new world to some. “It’s a shame to see from the research that older adults feel they are a burden when asking for help navigating their way online. “We want to create a more inclusive society by helping them make the most of life in the digital world. “We hope that the variety of online guides will give people the confidence to start exploring the internet and will give them all the training and support needed to live life to the full in the digital age.” The Jargon over 65s don’t understand: 1. Smishing 2. Vishing 3. Hyperlink 4. USB-C 5. Ransomware 6. URL 7. Phishing 8. QR code 9. Cloud 10. Malware 11. IP address 12. Cookies 13. Streaming 14. Tabs 15. Processor 16. Spam 17. Antivirus 18. Hardware 19. Browser 20. Upload 21. USB 22. Social media 23. Emoji 24. Webpage 25. App 26. Google 27. Download 28. Search Engine 29. Software 30. Smartphone Read More Brits think investing is for the super-rich, poll finds Brits get itchy feet in their home after five years, study finds The AI scams that are targeting young adults Elon Musk to live stream himself gaming on X in ‘everything app’ bid Japan startup unveils 15-foot robot suit for space exploration Apple blames Instagram for overheating iPhones

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TikTok has filed a lawsuit challenging Montana’s recently announced ban of the video sharing app. The social media firm argued that the new law, which is set to come into effect on 1 January next year, is an unconstitutional violation of free speech. The company, which is owned by China-based ByteDance, said the attempt to block users from accessing TikTok is based on “unfounded speculation” that the Chinese government could access their data. The lawsuit by TikTok itself follows one filed last week by five content creators who made the same arguments, including that the state of Montana has no authority to take action on matters of national security. Both lawsuits were filed in federal court in Missoula. Republican Govenor Greg Gianforte signed the bill last Wednesday and the content creators’ lawsuit was filed hours later. TikTok has not shared and would not share US user data with the Chinese government and has taken measures to protect the privacy and security of its users, including storing all US user data in the United States, the company stated in its complaint. Some lawmakers, the FBI and officials at other agencies are concerned that the video-sharing app could be used to allow the Chinese government to access information on US citizens or push pro-Beijing misinformation that could influence the public. Chinese law compels Chinese companies to share data with the government for whatever purposes it deems to involve national security. TikTok says this has never happened. “TikTok is spying on Americans. Period,” Montana Attorney General Austin Knudsen, whose office drafted the bill, told a legislative committee in March. Knudsen’s office has said they expected lawsuits and were prepared to defend the new law. The federal government and about half the US states, including Montana, have banned TikTok from government-owned devices. Montana’s new law prohibits downloads of TikTok in the state. It would fine any “entity” – an app store or TikTok – $10,000 per day for each time someone “is offered the ability” to access the social media platform or download the app. The penalties would not apply to users. Even if the law comes into force in 2024, security experts have warned that it would be nearly impossible to prevent TikTok users from accessing the app. Oded Vanunu, head of products vulnerability research at the cyber security firm Check Point, said last week that it would be difficult for any single state to ban the app, as easily available technologies like virtual private networks (VPNs) would allow users to bypass any geolocation blocks. Additional reporting from agencies Read More TikTok ban in numbers: Charting the controversial rise of the world’s most popular app Schoolboy almost dies from swallowing magnets for TikTok challenge Woman shares honest review of New York City apartment TikTok mom slammed after making 5-year-old son run in 104 degree heat

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Nasa has received “puzzling” data from a spacecraft that was studying a distant asteroid. The space agency’s Lucy Spacecraft left Earth in 2021, with the aim of studying “Jupiter trojans”, a set of asteroids that fly around the Sun along Jupiter’s orbit and remain largely mysterious. Recently, scientists decided to send it to visit another small object on its way, largely as a test of the systems on the spacecraft that let it track asteroids for its mission. When Lucy arrived at that object – a main belt asteroid named Dinkinesh – it found a surprise, however. Images taken of the asteroid showed that it had a satellite, which flies around the asteroid like a tiny moon of its own. Now, further examination of those images show that the satellite is not one but two objects. Those objects make up a “contact binary”, or two smaller objects that are touching each other as they fly through space. The unexpected discovery explains some of the strange data that scientists had received as they approached Lucy. But it opens up more confusion about the whole system, which one called “bizarre”. “Contact binaries seem to be fairly common in the solar system,” said John Spencer, Lucy deputy project scientist, in a statement. “We haven’t seen many up-close, and we’ve never seen one orbiting another asteroid. “We’d been puzzling over odd variations in Dinkinesh’s brightness that we saw on approach, which gave us a hint that Dinkinesh might have a moon of some sort, but we never suspected anything so bizarre!” The flyby of Dinkinesh was only intended as a test of the spacecraft’s systems but has now posed new possible research for scientists. “It’s truly marvelous when nature surprises us with a new puzzle,” said Tom Statler, Lucy program scientist from NASA Headquarters in Washington. “Great science pushes us to ask questions that we never knew we needed to ask.” “It is puzzling, to say the least,” said Hal Levison, principal investigator for Lucy, also from Southwest Research Institute. “I would have never expected a system that looks like this. In particular, I don’t understand why the two components of the satellite have similar sizes. This is going to be fun for the scientific community to figure out.” The scientists were only able to confirm the nature of the system with the multiple images that were sent back by Lucy in the wake of its encounter with Dinkinesh. Nasa is working now to get the rest of the data from the spacecraft, which might include yet more surprises. Lucy itself will continue flying through space on a journey that is due to take 12 years. Lucy is actually heading back to Earth, which it will use for a gravity assist to propel it onto the next part of its journey, back through the main asteroid belt and onto the Trojan asteroids. Read More Nasa sending VR headset up to ISS to treat astronaut’s mental health All-UK space mission will ‘push boundaries of human knowledge’ All-female Nasa astronaut team departs International Space Station on spacewalk