Worried about the increasing sophistication of online scams? Glenn Fleishman explores how inexpensive personal cyber insurance policies can protect against various online scams and fraud, potentially reimbursing significant losses. Adam Engst takes a deep dive into Photos in macOS 15 Sequoia, examining new organizational features such as the Days collection, People & Pets groups, trip detection, and improved utilities for managing receipts, documents, and other content types. We also link to Bill Gates’s retrospective on Microsoft’s first source code, complete with interactive ASCII art. Notable Mac app releases this week include Fantastical 4.0.8 and KeyCue 11.1.1.