Just as the World Wide Web and email have altered our personal lives and most avenues of commerce, another business activity has been transformed ĘC crime. The Internet has opened up new mechanisms for the perpetrators of crime. Im sure you remember scenes from movies of fifteen years ago where the brilliant criminal lugs his computer to a phone booth, dials up the bank, and transfers $100 million dollars to his secret Swiss account ĘC its not likely that such exploits could happen today. Banks now have elaborate safeguards in place to render this type of direct assault all but impossible. Criminals have turned to exploiting the one item that has always been the weakest link in any security endeavor. People.