Research shows that many banks are unwittingly training their online customers to take risks with their passwords and other sensitive account information, leaving them more vulnerable to fraud (Yahoo, July 23, 2008). Even web-savvy surfers could find themselves the victims of identity theft because they have been conditioned to ignore potential signs about whether the banking site they are visiting is real or a bogus site served up by hackers. Researchers at the University of Michigan found design flaws in 78% of the 214 U. S. financial institution websites they studied. Is the sample evidence sufficient to conclude that more than three out of four financial institutions that offer online banking facilities are prone to fraud