http://antiphishing.org/APWG%20Phishing%20Activity%20Report%20-%20December%202004.pdf
"Phishing is a form of online identity theft that uses spoofed emails designed to lure recipients to fraudulent websites
which attempt to trick them into divulging personal financial data such as credit card numbers, account usernames
and passwords, social security numbers, etc. By hijacking the trusted brands of well-known banks, online retailers
and credit card companies, data suggests that phishers are able to convince recipients to respond to them. As a
result of these scams, an increasing number of consumers are suffering credit card fraud, identity theft, and financial
loss."
