The virus hit South Korea particularly hard because it has the world´s highest penetration of broadband Internet services, which are up to 100 times faster than dial-up modem services. The government gave no estimates for losses, but the association representing Korean insurers said it would have to pay out some one billion won ($860,000). The Seoul stock market´s benchmark KOSPI index finished down 2.7 percent to its lowest close in more than three months. Volumes hit a 13-month low. Online stock trading accounts for more than two thirds of market turnover in South Korea, where people regularly click a mouse to pay taxes, order pizza and buy clothes. The fallout was felt in some Asian stock markets, but because the virus struck on a weekend the impact was limited. Financial markets in Korea saw steep falls in shares of Internet service providers and gains for Web security firms.