Text 2 You would think that the young and digitally intellectual-the generation that grew up with computers at their fingertips-would be the least likely age group to fall victim of online fiaud.But the opposite is true."We"ve bought into stereotypes about fraud victims-they"re usually seen as wlnerable and elderly,or gullible and poorly educated,"says Emma Fletcher,product manager at the BBB Institute."These stereotypes are strongly held-and they are wrong.We are all at risk,but younger and more educated individuals are actually the most likely to be deceived."Similarly,a 2016 report by Norton,the antivirus company,found that 44 per cent of millennials had been the victim of an online crime in the past year,compared with just 16 per cent ofbaby boomers.Research by Barclays this year backs this up.The Barclays Digital Safety Index highlights that almost two thirds of 18-24 year-olds had fallen prey to hackers or viruses.Yet when asked about actions taken to prevent future attacks,millennials were less likely than their older counterparts to take positive action,such as installing an anti-virus software following a computer system collapse.One reason is what is known as"optimism bias"-the idea that other people might be more One reason is what is known as"optimism bias"-the idea that other people might be more vulnerable than you and that you know better.Younger people are usually more knowledgeable about IT than those in the generations above them.But this makes them less likely to heed advice about staying safe,whereas,perhaps surprisingly,older people are more inclined to listen.But this is not the only reason.Younger people spend far more time online.They shop more there（meaning their card details are entered more ofien and stored in many more databases）and they share much more personal information online.According to Ofcom"s 2016 Media Use and Attitudes Report,more than 90 pcr cent of those aged 16-34 have social-media accounts.For those aged between 55 and 64,this figure drops t0 51 per cent.For those 65 and over,it"s 30 per cent.Interestingly,though,according the Office ofNational Statistics,older people are more likely to be victims ofrepeat fraud.This may be because they tend to be more trusting.Research at the University of California suggests that this isn"t just because they grew up in more innocent times.Rather,age-related changes in the brain mean that as people get older,they tend to trust more and question less.28.Which of the following best conveys the mearung of"optimism bias"mentioned in Paragraph 4?