> malicious actor malice implies intent. If we take author at their word, there wasn't any, though you could say they took it too far by looking at other stuff

> malicious actor malice implies intent. If we take author at their word, there wasn't any, though you could say they took it too far by looking at other stuff they probably knew it was ethically wrong to do so. Though, sometimes it isn't clear you're in compromising territory until you're in it. If any of the confidential information obtained wrongly gets used to advantage … that's malice. If the parent set out to exploit the insurer by finding inconsistent/unfair pricing, etc etc … that's malice.