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This summer saw a rash of phishing attacks on customers of TD Canada Trust. Opportunistic crackers suckered people unfamiliar with the Internet into giving away their banking information. The gist of the scam is like this: "Someone is attacking your bank account." "Please go to our website to confirm your information." "Then you'll be safe." The scam is as brilliant as it is insidious: Yes, someone is trying to attack you. It's the person who just sent you that e-mail. The website they're sending you to will look identical to your bank's site. They'll take all the money out of your account as soon as they can or they'll extract all the information you give to commit identity theft, opening new credit cards accounts and other financial instruments in your name, ruining your credit card record. There are at least three things anyone going online should know: Your bank will never contact you by e-mail and ask you to share information or...