& SPORTS COLLECTOR CAR CENTER Servicing Your Car Is Not Our Job, It’s Our Passion • F actory Trained Technicians Using St ate of the Art Equipment • F amil y Owned & Serving The East V alley Since 1973 • Shuttle Service, Pick Up & Delivery A v ailable at no extra cost 480.968.5000 | www.sccarcenter.com • Jaguar & Range Rover Experts • Honor Most Extended W arranties • All Service Guaranteed/ Parts & Labor * All required factory maintenance Services S E R V I C E Representing students of Arizona universities, community colleges and high schools, as well as other emerging Arizona artists since 1993. 480.946.5076 . artonegalleryinc.com 4130 n marshall way . scottsdale Representing students of Arizona universities, it ll d hi h h l ll 480.946.5076 . artonegall art ne gallery ARTWALK! THURSDAY NIGHTS SCOTTSDALEGALLERIES.COM silhouette shopper • jonathan peter • 48” x 36” x 1.5” •mixed media on canvas Page 8 July 2016 LEGAL EASE By Matt Mason Hackers are modern day pirates. Everyone fears them, they steal without discretion and they operate in a largely unregulated space. During the 1600s, pr ivate companies dreaded the news that a vessel was hijacked or a shipment lost. To protect against such losses, ship owners, merchants and others began meeting at Edward Lloyd’s coffee house in London. There parties decided to insure maritime cargo and Lloyd’s of London was born. But it wasn’t until 1906 that the Marine Insurance Act was codified. Just as the threat of pirates gave rise to maritime insurance, the threat of hackers gave rise to cyber insurance. Today, businesses across the country insure online transactions and data through cyber insurance policies. Price Waterhouse Cooper estimates that the market will reach $7.5 billion annually by 2020. The size of the market and perceived risk make a recent Arizona federal court case all the more chilling. In 2014, hackers stole customer credit card information from P.F. Chang’s China Bistro. The theft resulted in damages to customers, costing millions of dollars to remedy. P.F. Chang’s previously purchased a cyber insurance policy. The insurer advertised that its policy offered broad coverage. The insurer covered some claims related to breach notifications and a class action lawsuit. Yet, despite the advertisement, the insurer disputed its obligation to pay a $1.9 million assessment from P.F. Chang’s credit card processor arising from fraudulent charges. On May 31, 2016, the court agreed with the insurer. It found that the insurer was not required to pay for damages arising from the credit card processor assessment because it was a contractual risk excluded by the policy. The ruling muddled the cyber insurer’s duty to the retailer. As with any new industry, it will take the law some time to establish guidance on interpreting cyber insurance policies. There are a wide variety of cyber insurance policies, and for that reason retailers should be cautious. Carefully review the policy and look to see if card-processing assessments are covered. Just as it took the law hundreds of years to standardize marine insurance, it may take many years for the law to standardize the cyber insurance market. Protect yourself from pirates, hackers and your insurer by knowing exactly what your policy covers. — An associate at Gallagher & Kennedy, Matt Mason is a transactional attorney with an emphasis in nonprofit, real estate and corporate representation. In addition to transactional guidance, Matt provides general counsel to clients ranging from real estate investment companies to charter schools and churches. Hackers and pirates: Insuring for cyber risk Protect yourself from pirates, hackers and your insurer by knowing exactly what your policy covers.” ‘‘

Eric Petermann, D.C. Dr. Petermann utilizes the Activator Method, a specific, low force technique that realigns the spine to restore proper joint function. Experience gentle and effective relief for: •Headaches •Lower back pain •Neck pain •Automobile injuries •Work-related injuries •Sports injuries 25 years practice experience  Former Activator Method instructor New patients welcome 602- 224-0004 | fuhrchiropracticclinic@gmail.com | fuhrchiropractic.com 3714 E. Indian School Road, Phoenix AZ 85018 Free Lunch! I wanted to start off by thanking my readers for the out- pouring of support that you showed after my article last month on Charlie Keating. We are truly lucky to live in such a great place with people that genuinely care for their neighbors and neighborhood causes. I have put the wheels in motion on my initiative to get the track named in Charlie's honor and I look forward to navigat- ing the red tape to ensure that this is seen through. The response to my editorials has been incredible, but I don’t want this Real Estate Corner to be a one-way street. If you have questions about the housing market or other happenings in the neighborhood, I want you to call or email me so that I can respond to some of your questions in my writings. I promise that I will always give you unfiltered answers with real-time market insights to help bring clarity to any issues at hand. It is very import- ant to me that my readers and clients receive the inti- mate market knowledge that they need to make highly informed real estate decisions. The more feedback that I have from you, the better my content will be. On another note, I'm challenging myself to eat with other neighbors every day this month. Let me make it very clear that there is no agenda here. It is about meet- ing new people, learning new things, and enjoying local food. I do not care if you are a retiree, doctor, CEO, stay-at-home mom, or any other job title. This is a good opportunity for us to put down the phone for a minute and have a good old fashioned conversation while sup- porting local restaurants. If you want to set up a lunch, please text me right now at 602-561-0445 and we will set a date. I look forward to carrying on the Real Estate Corner as an Arcadia News tradition for years to come and will make sure that I provide you with the best information possible. Have a great summer and safe travels…. r e a l e stat e c o r n e r T U C K E R B L A L O C K yo u r a r c a d i a a n d b i lt m o r e r e a l e stat e s p ec i a l i st p a i d a d v e r t i s e m e n t T U C K E R B L A L O C K 6 0 2 -a r c a d i a Page 9 July 2016 AROUND THE NEIGHBORHOOD Valley chefs and restaurateurs unite for an event that celebrates the most important meal of the day: breakfast. The second annual Arizona Breakfast Weekend hits eateries July 28-30. For more info visit arizonabreakfastweekend.com. NOW OPEN The Orchard PHX 7100 N. 12th St. The Orchard PHX is a two-acre venue and home to Pomelo restaurant, Splurge ice cream, and Luci’s at The Orchard. With a grass area, patio and splash pad, this multiuse space is the most recent project by Central Phoenix’s Luci’s Healthly Marketplace. NOW OPEN The Baked Bear 7366 E. Shea Blvd. #106 A San Diego favorite, this build- your-own ice cream sandwich shop is now in Scottsdale, where guests can combine fresh baked cookies and brownies with Baked Bear homemade ice cream and toppings. (Pictured) The annual Arcadia Fourth of July Parade is on for 2016, even though initial reports indicated otherwise. For more information on the parade, including time and happenings, visit arcadiaparade.com. The Shemer Art Center and Museum Association, Inc. Board of Directors has elected Chris Orkild, a vice president and senior investment strategist at Wells Fargo, to serve as board member and treasurer of the nonprofit organization. Join all Valley Papa Murphy’s Pizza locations in July for their annual Water Drive to hydrate the homeless population of Phoenix. Drop off a case of water between July 1-31 to any Valley Papa Murphy’s Pizza location and receive a coupon for $5 off a family size pizza. Conditions apply.