As one of the top cyber crime ploys impacting both consumers and businesses, phishing has grown in volume and sophistication over the past several years. The down economy is providing a breeding ground for new, socially-engineered attempts to defraud unsuspecting business people and consumers. With honest money-earning avenues less available, the cyber crime ecosystem is ready with off-the-shelf phishing kits. It no longer takes a hacker to enable and commit fraud on the Internet — anyone with a motive can join in.