Those phishers use the site graphics and good names of any institution with a large enough online customer base: ebay, paypal, and most of the banks... including some I've never heard of, but are perhaps big back east. Some of the phishers are very good; others have stupid errors of grammar which indicate that they aren't native English speakers. (We who grew up speaking the language make mistakes, but they are different mistakes.) The only way to be safe is simply not click on a link in the email. Carolly