text:  The global IT outage has underscored fears about the fragility of the tech on which our modern lives depend, often provided by a few key firms. Crowd strikes sneezed and the world caught a cold. The cost to businesses and individuals will be considerable. Some suggest it could run into the billions. Cascading insurance and legal claims as companies and their customers try to recoup losses are possible. While inquisitions of various kinds are likely, others say lessons must be learned.