Nearly three-quarters of insider incidents start with negligence or stolen credentials, not bad intent, yet most insider programs are built to catch the rare malicious actor. This two-page brief explains why that gap leaves most of your insider risk unaddressed, and how a single continuous program can coach the non-malicious majority while surfacing the malicious few your existing controls miss. Inside the brief: - Why disclosure law treats an honest mistake the same as a deliberate one, and what that means for your program - How in-the-moment coaching cut sensitive-data exposure incidents by 60% at Pennymac without policy lockdowns - How one global media company caught an active data-exfiltration event from a single overlooked email auto-forward rule A breakdown of the malicious, negligent and outsmarted insider, and what Fable does about each one.