This is just a friendly reminder... not to you, but to the people you know who are not technical. According to this article in The Register, phishers are trying harder. Remind your aunt, your mom and dad, your grandmother—remind anyone who has a bank account or credit card—that financial institutions have phone numbers and web addresses (well, most of them). Never click on a URL in an email message from your bank or credit card company, at least not an one you don't expect. Open a browser and retype it in yourself. "But," you say, "I can't waste such time. Time is money!"