Let me say I worked with a VERY VERY smart person on cyber safety for about 3 months for a large fee of course, and he tought me things that will for sure keep me out of harms way, I cant give out his addy but he is on the boards, not sure about EF but that is his job, he stops hackers from hacking banks, DMV's etc etc. The most important thing he said is 1. ALWAYS change your PW every 4 days, and make it like this for example 3rx::4rte as he said NO cracking program from any govt agency can crack a code like this in under 7 days, so 4 is extra safe. And second when setting up a cyber account or hush for example always do it from a comp that has SATELITE connection, not cable, DSL or dial up, as he said satelite computers are almost impossible to track which one is locked on, BUT do it from say kinkos or somewhere that has sat connection, not cable or DSL....Also must haves are firewalls, anti spy, anti virus, personally I have 2 firewalls running and I use Findnot.com to change my IP addy, its cheap as hell, like 7$ per month or less, and you can pick from about 40 different servers to sign onto, and you can actually choose which one you want and from which country, they have russia, amsterdam, germany, Texas, Florida, hungray, poland etc etc,,,,check it out, and it barley slows down your connection at all if you have cable......