Phase 0: breakins to all (php/python/etc,)

Phase 1: the closure, companies close down sites, all banks down

Phase 2: the reopen- but to only the correct* sites

Phase 3: the viruses

Phase 4: the re-shutdown

Phase 5: use of physical currency / fax machines only.

We are just getting to Phase 0. By end of 2026 most things will be broken into. By 2027 most banks will be offline.