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An enemy’s tactics do not “have constant formation. Those who are able to adapt and change in accord with the enemy and achieve victory are called divine.” Sun Tzu was writing about the physical disposition of armies, but his words also describe the challenge posed by the changing tactics of cyber criminals. FMG attorneys and a Cyber Insurance expert discuss how malware is evolving; how changes in the digital currency that supports cyber crime is also changing; and how Cyber Insurance is affected by both. CE applied for in CA, GA, KY, NJ, PA, TX. CLE applied for in CA, GA, KY, NJ, NY, PA. HRCI applied for.