It's not what a man has but what a man is that's important.

In the old days, a con man would be good looking, suave, well dressed, well spoken and presented themselves real well. Those days are gone because it's not necessary. The people committing these crimes are doing them from hundreds of miles away.

Banks are so protected from liability they would have to really do something that was their mistake in order for them to be liable for it. Banks don't look at signatures. They're processing millions of checks and they have very little liability.

Every case involving cybercrime that I've been involved in, I've never found a master criminal sitting somewhere in Russia or Hong Kong or Beijing. It always ends up that somebody at the company did something they weren't supposed to do. They read an email, went to a website they weren't supposed to.

I don't use a debit card. The safest thing is a credit card because you're using the bank's money. If someone accesses your information, they are stealing the bank's money, not yours.

It's not what a man has but what a man is that's important.

Criminals look at identity theft and say only 1 in 700 criminals gets convicted of it. And they look at check forgery and they know that for every 1,400 forgers arrested, only about 123 get convicted and about 26 go to jail. So the rewards are great, but the risks are very slim. So that's one of the reasons that make it very popular.