The dark side of the web

I've actually been lucky and have not been the target of a phishing scam or had viruses on my computer. I always have a good security program and I'm very suspicious of any email that I don't knoe the origin of. As other people have said - if it sounds too good to be true then it probably is! As for emails supposedly coming from banks - any bank I've dealt with has said that they don't contact customers this way