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Home computer users are now the favourite targets of hi-tech criminals, reveals research.
The report by security firm Symantec found that cyber criminals are targeting home PC owners because they are the easiest to catch out.
It saw an 81% rise in phishing messages which attempt to trick people into handing over personal details.
Another study by a banking industry body shows many home users do not take basic steps to stay safe online.
Criminals typically use bogus or booby-trapped e-mail messages to lure people into handing over banking details.
Risky business
Symantec's bi-annual Internet Threat Report said that more than 157,000 unique phishing messages were sent during the first six months of 2006.
The phishing messages were getting much more sophisticated to make them more effective, said Ollie Whitehouse, Symantec research scientist and one of the authors of the report.