As one of the top cyber crime ploys impacting both consumers and businesses, phishing has remained a consistently potent threat over the past several years. In fact, the cumulative number of phishing attacks recorded in 2011 represented a 37 percent increase over 2010. You no longer need to be a sophisticated hacker to commit fraud on the Internet. Anyone who is motivated can join in, thanks to the off-the-shelf phishing kits provided by a thriving cyber crime ecosystem.