Listen, I am a computer programmer for 20 years. I have extensive experience in Internet Related Technologies and Security. I lost my wallet 15 years ago, and had someone impersonating me, opening credit accounts all along the east coast. Since then, I have been extremely careful with my information. I guess you could say I am downright anal about my information and assets. So as far as it being my fault, I highly doubt it. I can go into about how anal I am regarding my home computer (Firewall, Virus Protection, don't download anything, etc, etc). I know the leak was on their end!