While the true direct cost of cyber crime may be open to debate, there is little doubt that profits are being made by stealthy, motivated and organized hackers, while law-abiding “cyber citizens” continue to be on the losing end. Bank and credit fraud continue unabated, and while the public has gotten somewhat smarter about refusing the age-old bait that exposes them to attack, cyber crime has grown to epic if not epidemic proportions, prompting agencies like the FBI to give it top billing as a national threat.