2 economic theories that relate to the letter are Cost-Benefit Analysis (CBA) and Moral Hazard. CBA is related because it is the company’s response to the breach which involves offering help with credit card replacement and recommending customers to look over their account. Moral Hazard in this case might have been under incentivized so that they would not be very invested in the security measures knowing that the impacts of a data breach wouldn’t be on them completely. 2 social science theories that are related to the letter are trust theory and social contract theory. trust theory mainly tries to build a good reputation and rebuild trust with affected customers by advising them and or replace compromised cards. Once their trust is broken it is very hard to regain a customer’s trust and can lead to severe consequences. Social contract theory gives the company and customers a mutual understanding that the customer will provide their personal information and in return will have a safe and secure service.