As I deal with clients that range from retirees to home owners to business owners, I have come to realize that there is a lot of naivet?? and gullibility out there. One would think it wise to be cognizant of what is happening as news can be had about how to protect oneself. I can't believe how many fall for a virus (like the fake antivirus series) and have paid good money to these goons. One client paid twice before calling me as his tech to come clean up his PC. And this is known to the whole world of developers and others who would take advantage of this for the sake of megabucks. That's where the lack of integrity shows up. It's a global disaster no longer looking for a place to happen. Bottom line is no longer help your neighbor but now help yourself to anyone else's hard-earned cash since they are known to be naive and gullible. Reminds one of the old saying, "Gullible isn't in the dictionary."