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An Apple fan says they lost '20 years of digital life' after using an Apple gift card
(www.techradar.com)
This is a most excellent place for technology news and articles.
I have managed to get to locked out of my own Nextcloud. It was encrypted, and I didn't know that I had to keep a backup of the keys in its config files. I only had a RAID1 for the user data.
You do this once, but again when the pain wears off. Then encrypted back up keys stored in multiple locations becomes a religion.