Going online remains risky

Consumer Report
The lone-wolf geek you imagine hunched over a computer in his basement isn't the only one out to steal your identity on the Internet.

Cybercriminals increasingly operate in an elaborate networked underworld of Web sites and chat rooms, where they sell one another stolen account numbers, tools for making credit cards, scanners to pick up card numbers and PINs from ATMs, and viruses and other malicious software.