A favorite trick is to surreptitiously turn on the Webcam of an owned computer in order to watch the dupe at work, or watch what he's typing on screen. In one, a hacker sent a WinPopup message to a fellow: "Hey, put your shirt back on! And why are you using a computer when there's a girl on your bed!" Sure enough, the camera had captured a guy using his computer, sans shirt, and in the background you could clearly see a young woman stretched out on a bed.

Eastern European hackers, backed by organized crime, such as the Russian mafia. In other words, the professionals. The easiest way to illegally acquire money now is through the use of online tools like Trojans, or through phishing: set up a fake Web site for PayPal or eBay or Amazon, and then convince the naíve to enter their usernames, passwords, and credit card information.