Has this ever happened to you? You open an “official-looking” email that looks like it’s from your bank, credit card, etc. The message is dire — someone may be messing around with your account, and only clicking on a link to “correct” or “verify” your account information will save you. Hurry! Quick! Do it now! Without even thinking about it, fear of loss drives you to click on the link and supply the information requested (and breaking one of the cardinal rules of online security in the process).