Yes, end-user's ignorance is not an indulgention. Banks shud, but MUST NOT provide such a links about threats in Internet. Do you know the driving rules when you're going to another country on a car? Yes, you are, because of your safety at first. Is Internet something different? You must know - or at least make some common sense - what's behing a next door you're opening before actually opening it. Or it just can be a bomb. Internet Explorer - actually Internet Exploiter - is not to blame. End-user have it's own mind to deceide which browser to use. RSA SecurID - I'm integrating it inside my employers' network right now at that moment - and it's going good except one thing : they beleive it's too expencive. Until the end-users will be same time so rational for today and so blind for tomorrow - phishers and other hackers will be breathin' on their back. Remember - hack is just a stupidity tax!

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