What does the "second-level divide" specifically capture, distinct from the first?

Why: The second-level divide addresses the usage and skills gap — even when access exists, differences in digital literacy determine how effectively people use available technology. Why the Other Options Are Excluded: •  Screen size is a hardware specification unrelated to the divide framework. •  Pricing differences relate to affordability and access costs, not to the literacy and usage-skills gap the second-level divide describes. •  Tax policy is a fiscal matter unrelated to this framework. •  Infrastructure availability describes the first-level divide, not the second. Industry Example: Two people with equal internet access, where one can confidently use digital banking and e-commerce while the other struggles to navigate basic apps.