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|1. Harm is the "mid" level of harm to the client when the organisation providing the important business services is disrupted.
Notes (1) result in consumer being disadvantaged and dissatified.
Notes (2) result in an adverse financial situation for the client but it has since been put right by the disrupted organisation.
Notes (3) result from a protracted disruption to the client but it has been resolved by the disrupted organisation.
Notes (4) will cause some client inconvenience.
Notes (5) reportable to the regulators.
Notes (6) may result in a possible fine but no censure by regulators to the disrupted organisation.