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NZ Banks

The point is made the phishers "are in fact getting smarter"

And...

As a rowdy teen, the only thing that smartened me up was a back hand. A little tough love never hurt anyone.  Exacerbating the problem is failing to inform, remind, and if necessary reprimand the users of their responsibilities to protect themselves. Personal responsibility. Its been 10 years of phishing. It’s getting worse. The public needs a backhand.

And you shouldn’t necessarily know how to engineer a car, but you better know how to drive it safely. ya know?