1. A universal interactive operating system embodied in a non-transitory computer storage medium for a single-point-of-access cyber system, said single-point-of-access cyber system, for use by an individual, including, a cyber communications network, file-based cyber assets, device-based cyber assets, file-based cyber resources, device-based cyber resources, one or more input output devices, and one or more remote point of cyber access computers; said universal interactive operating system comprising: programming structured for properly identifying each individual and each cyber device; programming structured for requiring each individual be properly identified prior to each step cyber interactions of said individual carry out throughout the single-point-of-access cyber system; programming structured for requiring each cyber device be properly identified prior to each step cyber interactions of said cyber device carry out throughout the single-point-of-access cyber system; programming structured for providing for the use of and the operations of a cyber communications network; programming structured for providing storage, access, use, and management of file-based cyber assets and file-based cyber resources; programming structured for providing for use of and operations of device-based cyber assets and device-based cyber resources; programming structured for providing security; programming structured for providing for the use of and the operations of input output devices; programming structured for providing for the use of and the operations of remote computers; programming structured for providing a history of cyber activities; programming structured for providing an individual with control of said individual's single-point-of-access cyber system administrative settings; programming structured for providing an individual with control of said individual's single-point-of-access cyber system operational settings; programming structured for providing an individual with control of said individual's single-point-of-access cyber system access settings; programming structured for providing said individual with the ability to request others provide said individual with said individual's preferences for cyber interactions, for cyber content, and for privacy; programming structured for providing for the use of and the operations of a cyber asset manager; and, programming structured for providing for the use of and the operations of a cyber telephone system.