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One day last summer, Jody Westby, chief executive officer of Global Cyber Risk, a consulting company in Washington, D.C., that helps corporations and governments safeguard their online information and networks, received a call from a former government minister. The minister told her that he had given his name and password to what turned out to be an online fraud scheme, and now he was worried. Westby, who is a lawyer as well as a cyber security and privacy expert, wasn't terribly surprised. Many computer fraud schemes no longer look like what you may remember from the Nigerian letter scam--those fishy e-mails in which someone impersonating a foreign government official asks for help getting money to an overseas bank account. Today, says Westby, counterfeit Web sites and e-mail scams can "look good."