While it may be “The Most Wonderful Time of the Year” for merrymakers, it is also “The Hap-Hazardous Season of All.” Researchers predict that 43% of cyber-attacks will be aimed at small businesses this fourth quarter. According to a recent study conducted by Verizon (DBIR). Cyber-crime has never been more advanced, and small business owners need to equip themselves with updated information to respond accordingly.