1. A single-point-of-access cyber system comprising: devices and programming structured for processing cyber activities; devices and programming structured to provide a single point of cyber access to an individual; an input output device for cyber interactions between said individual and said devices and programming structured to provide said individual with a single point of cyber access; devices and programming structured to provide a cyber communications network; devices and programming structured to carry out cyber activities among said individual, others, cyber assets of said individual, and cyber resources of said others.