The Firewalls-and-Virus-Protection.com
   Security Alert News Reporter   

        February 06               LANGHORNE, PENNSYLVANIA, USA   Volume 2, Issue 9 (No 21)    
~~ FROM THE ARCHIVES ~~
 
Help! I think we have a Virus.
A Security guide for the everyday, non-technical internet user who just wants to be safe doing basic stuff

         Here's your "Security Alert News Reporter" for February,
    The "NewsReporter", a security alert newsletter, is published to keep you up-to-date on the latest information we gather for avoiding and surviving the hectic hacker attacks on your computer security and personal identity that take place constantly on the internet. Many of our comments are based on personal experiences. Protecting your safety, security, sanity, and privacy is not a simple task. We're trying to make it a bit easier for you to accomplish.
    This security alert Newsletter is sent out periodically to everyone who has registered for the Security Alert and Report Alert Services from one or more of the websites published and maintained by www.RichardPresents.com.
   
If you are no longer interested in up-to-date Security Alerts or Safe Surfing Suggestions - please use the  link at  the end of this letter to un-register. 
                                                                                  

Thanks for being a
 Loyal Subscriber

Some Highlights from TODAY'S TOPICS

. Latest Virus and Worm Threats
. The Panda Report - Another Trojan Horse
  Cyber Crime Trends - Changing Tactics?
. So, What's New? (Avoid Rogue Software)
. Privacy Theft - Important Updates
 Install Free Anti-virus software 
. Family Security - review Family and
      Kid Friendly Sites
. Recommended - Predator Guard to
     Protect
your Children
. Publications for your Family and Friends/
    FREE Identity Theft Guide / Many Others
. Resources - Most are FREE! /
. Bill Hely's ebook -My Security Bible    
. Reviews of the News- really fresh news and
      encouraging reports to keep you abreast
      of latest Scam and Spam busting
      activities
. Be a Cyber Secure Citizen
  Free Download / Errornuker Registry
       Cleaner
 
         CLICK ON ANY TOPIC YOU'RE INTERESTED IN - OR READ THIS NEWSLETTER FROM TOP TO BOTTOM

The trends in the activities of cyber criminals seem quite apparent –
They're going after the money. That's your money and mine. They're using some very sophisticated methods to do it, too. These perpetrators are hard to catch, but efforts to catch and incarcerate them have intensified lately. I've covered some of the recent FBI, DOJ and other watchdog agencies successes below. I believe they are encouraging.
                                                                    ... Richard

                                  ~~~~~~~~~~~~~~

 
Latest Virus Threats  reported Feb 11, 2006 by McAfee ,
US-CERT, Panda
and other advisory services. (US-CERT is the operational arm
of the National Cyber Security Division (NCSD) at the Department of Homeland Security)

 
   Full descriptions including virus characteristics, symptoms, aliases and removal instructions are available by clicking on the links. This virus alert is in addition to those posted in previous month's
News Reporter issues. You can review previous Virus Alerts in the Archive files.
 

      CLICK on Red Virus Name for descriptions and Removal Advice
 
 
McAfee Advisory
  •  W32/Sober@MM!M681 - Update January 9, 2006 -- Due to a decrease in prevalence, the risk assessment of this threat has been lowered to Low-Profiled.

  •     symantec Advisory   Last Updated on: February 11, 2006
        Spyware.Watchdog High Risk spyware
    Systems affected:
    Windows 2000, Windows 95, Windows 98, Windows Me, Windows NT, Windows Server 2003, Windows XP

     
    From the US-CERT, released February 7, 2006  
  • Multiple Vulnerabilities in Mozilla Products (ID SA06-038A)
    Systems Affected
    • Mozilla web browser
    • Mozilla mail client
    • Firefox web browser
    • Thunderbird mail client

      Mozilla has released an updated version of Firefox to correct these problems.
  • TrendMicro Reports no Medium or High Risk Malware or Spyware at this time.
     
    However, a visit to  the TrendMicro Security Information Site will provide more detailed information on these and other pests currently circulating through the Cyber world.
            
    TrendMicro's Top Viruses and Worms as of February 9, 2006
     

      

    Panda  Information Items from the Panda Report for Feb 10, 2006

     This week’s report looks at the  Diamin.DU, Trojan 

    Diamin.DU is designed to establish phone connections with premium-rate numbers, with potentially serious financial consequences for the affected user. However, it can only affect computers that use a modem to connect to the Internet, as it modifies the dial-up network access settings. 

    Diamin.DU is easy to recognize. When it runs, it displays several windows in Italian. As with most Trojans, Diamin.DU does not spread automatically using its own means. It needs an attacking user's involvement  to reach the affected computer. The means of transmission include, among others, floppy disks, CD-ROMs, e-mail messages with attached files, Internet downloads, etc.

    More information about these and other threats is available from Panda software's Encyclopedia at: http://www.pandasoftware.com/virus_info/encyclopedia/
             __________________________________________


    Up-to-date Firewalls, Anti-virus and anti-spyware software will usually stop these pests before they cause you any grief
                                      


                                                           
     To Top

    Cyber Crime Trends
             
      
    Phishers who lure victims by posing as legitimate companies, have become a major scourge of the Internet along with spam, viruses and spyware. A recent study showed that online fraudsters launched a record number of phishing scams last year, with nearly 17,000 unique e-mail-based fraud attacks detected in November alone.                       
     
    The Phishing Attack Trends Report
     

    • Number of unique phishing reports received in November: 16882
    • Number of unique phishing sites received in November: 4630
    • Number of brands hijacked by phishing campaigns in November: 93
    • Country hosting the most phishing websites in Nov 06: United States

    The Phishing Attack Trends Report is published monthly by the Anti-Phishing Working Group, an industry association focused on eliminating the identity theft and fraud that result from the growing problem of phishing and email spoofing.

                                                                            To Top 
     

    So What else is New?

    Spyfalcon" is the latest SpywareStrike/SpyAxe variant

    SpyFalcon, and its predecessors, are known to install through exploits as well as piggyback on to users machines.

    At least two new variations of SpywareStrike (SpyAxe) have been discovered and both make use of the same annoying popup alerts as the earlier version.

    In the first variation, when the user clicks on the alert they are redirected to one of two fake anti-spyware review sites. These sites predictably recommend SpywareStrike as the top choice.

    The second program works in an almost identical fashion to SpywareStrike and SpyAxe, but redirects the user to a new website at www.SpyFalcon.com.

    Purchasing the software from this site will install various helper malware programs that the creators can use to continue infecting your computer in the future. Your credit card data will also be stolen as well.

    This application has just recently appeared, so it's probably a good idea to add the domains listed below to your block lists now.

                < http://www.onlinesecurityguide.net/>
                < http://www.topadwarereviews.com/>

    Any site that offers recommendations on PC security products should not stoop to installing spyware on people's computers. The people responsible for this new malware are incorrigible and should be incarcerated.

     Avoid  Spyfalcon, SpywareStrike and SpyAxe Software!

                          
      ~~~~~~~~~~~~~~~~~ 

    Like phishing, some devious providers of anti-spyware like Spyfalcon conceal malicious code in their free trail programs. These are often described as Rogue Anti-Spyware.

    You can learn more about Rogue Anti-Spyware from this article posted in the Articles and Reports pages at the Firewalls-and-Virus-Protection website.

    Click here >> Don't get trapped by Rogue Anti-Spyware software   Avoid being duped or robbed by false positives.
    (printable article)

    Diligence and Awareness continue to be the key words for protecting your security during the coming year, 2006.
                                          (Security Alert News Reporter Editor's opinions)   

      To Top 
     

      Privacy Theft  - Be on the alert for the latest spyware and Scams, sources of malware and Zombie (hijacking) programs that often lead to stolen personal and financial information and Identity Theft.

     
      Phishing Scam Pretends to Provide Information
                            About Tax Refunds.


    A recently detected phishing scam purports to be a message from the US Internal Revenue Service (IRS) regarding a tax refund. (Reported by SANS(*) on Feb 6, 2006)

    The email has a link to a web site that claims to be able to tell taxpayers the status of their refunds and asks for visitors' names, Social Security numbers and credit card data.

    The subject line of the e-mail reads "Refund Notice!" and claims to be from "refund@irs.gov."

    The email content includes this statement
    : "You filed your tax return and you're expecting a refund. You have just one question and you want the answer now -- Where's My Refund? Access this secure Web site to find out if the IRS received your return and whether your refund was processed and sent to you. New program enhancements allow you to begin a refund trace online if you have not received your check within 28 days from the original IRS mailing date."

    The e-mail then requests your Social Security and credit-card information.

            Do not respond to this eMail. It is a phishing Scam.

    An IRS spokesperson provided this totally safe, legitimate, and free way to check on your refund. Go to the IRS Web site at [www.irs.gov], navigate to the Resources pages, find and click on 'Where's My Refund?' Or place a toll free call to IRS at
    1-800-829-1954.

    (*)SANS is the most trusted and by far the largest source for information security training and certification in the world. It also develops, maintains, and makes available at no cost, the largest collection of research documents about various aspects of information security, and it operates the Internet's early warning system - Internet Storm Center. 

    Unfortunately, many phishing scams like this are responsible for unsuspecting honest people losing their life's savings, jobs, homes, etc.


    Usually, it's very difficult to repair the damage phishing scams cause, however, there are some really fine and effective Programs available to Home and Small Business computer users to improve online security and minimize adware, Trojan horse/Zombie and general malware threats. You'll need at least two or three.
     

    Among the many reputable online security resources that I monitor, the "Spyware Warrior" website is one that does an outstanding job of not only reviewing and recommending the best and latest anti-spyware software, but advises how best to use it.
    It has my Highest Recommendation.                    ... Richard

    http://spywarewarrior.com/asw-features.htm   (Spyware Warrior website is owned, operated and © Copyright 2006 by Eric L. Howes)

    The following recommended anti-spyware programs appeared most often during January, 2006, on the top rated research and anti-spyware reporting websites, including Spyware Warrior:

    Microsoft AntiSpyware*,  Webroot Spy Sweeper (
    CLICK for Free trial), -
    Spyware Doctor-   Spybot Search and Destroy Adaware Pest Patrol,
    XoftSpy (Click Here ) to Download a Free Spyware Scan and MacScan for MAC users
     
    * Microsoft AntiSpyware  is currently available as a FREE Download, but you can't use it
     with Windows 95 or 98. I use it on my windows 2000 and Windows XP PC's, have it set for automatic updates and daily scans. Like
    SpywareBlaster (Download) it's designed to  monitor in Real Time.

    Keep in mind that you must also have up-to-date anti-virus software(*) and a
    strong firewall, plus the latest updates for your browser (Internet Explorer,
    Firefox, Netscape, Opera... whichever one you use).
     

    [Free Spyware Scan - Click Here]
    Click here Xoftspy v3.2                         

    Xoftspy is the latest in spyware detection and removal. Xoftspy will hunt down and remove from your machine all known spyware/adware that is on the market today. 91% of PC's are infected with spyware.

    Try Xoftspy right now for FREE and see for yourself if your PC is infected!

    Spyware & Adware are files that are installed on your computer without your knowledge. They allow companies to monitor your Internet browsing patterns and even allow companies to inundate you with those annoying "pop up" ads! Most people are familiar with freeware, shareware, cookies, media players, interactive content, and file sharing. What they may not realize is that some of the aforementioned may contain code or components that allow the developers of these applications and tools to actually collect and disseminate information about those using them.

    They can track your surfing habits, abuse your Internet connection by sending this data to a third party, profile your shopping preferences, hijack your browser start page or pages, alter important system files, and can do this without your knowledge or permission. The security and privacy implications of these exploits should be quite obvious and undesirable on any system or network!

    Works with: Microsoft Windows 98/Me/NT4/2000/XP
    Free File Scan Now

                                                  To Top 
     

    Here's the Download link to Grisoft's AVG  Free anti virus software, in case you missed it in recent issues of the News Reporter.  
     
    Saving it to your desktop will make it easier to find the Install icon placed there as part of the installation process. Click on the icon and follow the instructions to complete your installation. Spend a few minutes becoming familiar with the AVG Anti-Virus Control Center.
     
    Be sure to check for updates, get them and then do a complete virus scan.
     
    I set my AVG program for automatic updates once every day... makes me feel more secure, and I also use two anti-virus programs on each of my computers. However, I use only one firewall software program on each computer                                        ... Richard

      
     

    alert about Stinger You can get the February 2nd Free updated virus checking and removal STINGER tool at the  Firewalls and Virus Protection site .

    STINGER
    ,  
    (compliments of McAfee's Anti-virus and Vulnerability Emergency Response Team - AVERT) was updated on February 2, 2006 to detect and remove more than 50 current viruses including Sober.
     
    It's a great little program that still fits neatly on a floppy disc - a perfect way to clean up your computer if a worm or other 'rogueware' has disabled your ability to get back on the Internet to update your security ware.

     
    Whenever updated versions become available,
    I'll post a notice here, on the Firewalls and Virus
    Protection website and in the Security Alert Blog.
     

             
                                                              
    To Top
     
     

             Are  you sending spam email to your friends?

    Did you know that sending one email message to just 5 friends could grow into more than a million copies circulating on the Internet?

    Nearly everyone has received a cute or funny joke email, virus hoax message, lists of amazing facts... you get the idea. You've probably received your share of them, too.

    How often had it been forwarded before it arrived in your email box?
    How many names with email addresses were shown in the header?

    How often have you forwarded it on to your friends? Could this be considered Spamming? Are you a Spammer? Probably, but Certainly not intentionally.

    What a gold mine of email addresses for any hacker that might receive a copy! ... and you know where that can lead.

    I just read a post in the Imagine Kitty Magazine Blog titled "Quit Spamming Me!" It explains what's really going on in this quote --

         "Many of these emails are scams to harvest email addresses from the internet. Some unscrupulous people start these so that they can have your email address and when you forward it to me it doesn’t matter if I delete it because you sent it out to 10 of your friends with my email address in the header and they forward it so I get porno email anyway."

    He explains how the numbers grow, and how quickly they can reach the million mark.
    I hope you consider this message next time you forward one of those emails to friends. I know I will.                             ... Richard

                                                          

                                                                                     To Top 

    Family Security and Caring
     
    Some recent additions to our reviews of Family Safe sites
                                                                                        
    At the top of the list of results at a recent Google search for Child Safe web sites was "
    FirstGov for Kids", the U.S. government interagency Kids' Portal. It's a great site.

    Personal Safety  for KidsThe National Center for Missing and Exploited Children has many great publications, too. I put a download link for their "Personal Safety for Children - A guide for Parents" in the Features Supplement.

      Check them out in the new Features Supplement
      CLICK HERE

     

    We post these Kid Safe Sites, because like you, we care about the safety and security of our children and grandchildren....and to help parents, grandparents and guardians guide today's young internet surfers to safe sites. There are many other website creators who feel the same concerns and responsibility. These are just a few of their sites that we have personally reviewed and tested as safe for our Grandchildren. Check them out and share them with the young people you care about. 



    Predator Guard protects our children


    More Help for Parents and Grandparents.  Keep the Children and Grandchildren safe when they're using your computer

    Predator Guard
    provides real-time protection for children in chat rooms, instant messaging, and e-mail exchanges.
     
    The Home Edition Features:
    • Real-time protection in Instant Messaging, Chat Rooms, E-mail and Attachments
    • E-mail notification to parents
    • Reviews both outgoing and incoming data
    • User defined library to prevent distribution of personal information
    • Detects, captures, logs and reports violations
    • Works as a stand-alone application or with existing site blocking programs (AOL Parental Controls, Cyber Patrol, Net Nanny, and more.)
     Predator Guard  provides real-time protection for children in chat rooms, instant messaging, e-mail and attachments from online predators and pedophiles. In addition, Predator Guard can prevent all outgoing personal information, such as a child's home address, phone number and school information, or other information that is essential for a predator to make contact with a child. Purchase this Inexpensive Protection Now
                                    
                                                         
     

    Click to Check out the  Regular Features Supplement  to Issue 21

                                                                To Top

    Publications - Use these Reports to help your family and friends:
     

       
    . For those of you who have visited our Firewalls website and Security Alert Blog, you know that the information there is directed toward keeping you safe from hacker and cracker attacks. Additions to our bookshelf are selected with the same purpose - and we encourage you to share our reports freely. Don't miss the NEWest Free report

    Copy or Download these reports from the Publications Page in the new
    Features Supplement.
    CLICK HERE

    eBooklet "23 CRITICAL ALERTS You Should Consider when Maintaining
    Your Computer Security and Protecting  Your Personal Safety"
    eReport Protect Yourself and Family from Dangerous Chat Rooms and
     Instant Messages.
    eBooklet Online Security while Traveling in the United States and Abroad.
    eBook "Travel Cheap - Travel Well!"- Confessions of A Traveling Pauper
    eReport Don't get trapped by Rogue Anti-Spyware software
    eBooklet Is Your Firewalls and Virus Protection Safe Enough?
    eBooklet Is a Keystroke Logger Being Used To Spy On You?
    eReport How Much Money would it cost you to regain the use of your computer
     after a serious virus infection?
    eReport Internet Glossary - alphabetical list of terms used in many of the articles and news reports that relate to the Internet
    Copy or Download these full reports from the Publications Page in the new  Features Supplement. CLICK HERE
                    
     
    Free Identity Theft Guide
          NEW!   
                                           
    A Breach in your personal privacy protection could easily lead to online and offline Hackers and thieves stealing your identity.

    The contents of this Free Report include

      Protection Strategies
      Safe Credit Card Practices
      Why reveal your Social Security number?
      Document Destruction
      Common Sense Things to avoid
      What you must do if the Worst Happens
        
    with the telephone numbers to call and the
                                        organizations to contact.

    It's a five page report you can download, print and freely share with your family and friends. Download the Identity Theft Guide from this month's Regular Features Supplement HERE.

     
    Save the file to your Desktop - it'll be easier to find.      
                                  
     ~~~~~~~~~~~~~~~~~
     
     
                                                             To Top
     
    There are a lot more Articles and Reports at the Firewalls and Virus Protection website. Look them over for the helpful 'keeping safe' info they contain.
    Our most recent library additions include

                
      Identity Thieves - Internet Outlaws
                
      Choosing Anti-Virus, anti-adware and anti-spyware programs
                
      Identity Theft Using Your Wireless
                
     Practice eMail Safety - Is your incoming mail safe?
                  
                
      and visit the
    Federal Trade Commission (FTC) website with its many publications relating to protecting the security of your family, both on the internet and off. They are FREE. You can go to their pages covering
     
                     Consumer (family) Protection HERE. or take a look at
     "Take Charge - Fighting Back Against Identity Theft" Free report HERE.
     

                                             To Top
     
    Did you Check out the new Regular Features Supplement  to Issue 21?
     

     Resources - many Free.  It's easy to install the latest Firewall, anti-virus(*), spam blocking, and spyware removal software on your computers. Download all of these programs, and more, mostly for FREE, from our Firewalls-and-Virus-Protection website pages.
     
       
    Check them out. If you need to block Spam, find the links on the 'Spam and Spyware' page. Same thing for Cookie Crumbling tools, Spyware protection, etc. Most of them have a purchasable Upgrade option, and by trying the free versions, you can upgrade the ones that work best for you. 
     
      Browser Hijacking is still a major problem. One of the outstanding sources for information about browser hijackers and tools to remove these predators is still available on the SpywareInfo.com website.
     
          It's loaded with powerful information and helpful advice that zeros in on the hijacking problem. If you are experiencing any similar problems, be sure to follow the link to their forum. There are literally thousands of postings from which you will learn and possibly find the advice that will help you resolve your own issues.
     
         You can download HijackThis from the Software link on the SpywareInfo website. Be sure to read and follow their instructions to the letter if you want good results.

                   
    We learned about this program from the extraordinary website and forums built and maintained by James Healan, webmaster of SpywareInfo.com., and whenever we can, we send a small donation to help keep them online.
     

    DOWNLOAD latest cws shredder    (Version 2.19, Nov 05) Free from Trend Micro
    http://www.intermute.com/products/cwshredder.html
     It'll find and remove those nasty Cool Web Search trojan horses.

     
                                             
    To Top

     Here's a powerful, inexpensive, and helpful resource to help you maintain your Internet Security and Personal Identity

    In The Hacker's Nightmare™ a retired FBI Special Agent tells you exactly how to really Keep Hackers, Worms and Germs out of your PCs. Here's what Bill Hely has to say about his eBook:
     
    "When I was researching and writing The Hacker's Nightmare™ I was determined that there would be chapters that alone would be worth the cost of the whole book. Different chapters to different people that is... depending on individual needs and interests. Based on feedback from my readers I am confident that I have achieved that aim. I mean, read the testimonials for yourself!"

    Bill Hely, 20 plus year veteran of internet security consulting. has loaded it with valuable information and  plain common sense. We could fill this and future issues of our News Reporter for the next few months just talking about them.

    I've included some of Bill's outstanding, informative, and helpful articles in the Articles and Reports pages of the Firewalls and Virus Protection website. Please visit and check them out.
        
    Bill has designed a webpage that describes many of the security tricks and tools that will help keep that nasty stuff out of your computer. Review The Hacker's Nightmare Story HERE. Some sample (Free) chapters are available to early visitors.


      and here's My Favorite Resource

                      i-Cop is a resource I'm proud to be a part of.
     
    You have probably noticed the various references to it throughout this newsletter, the Firewalls and Virus Protection website and my Blog.

     
    It's the International Council of Online Professionals, i-Cop for short. I believe anyone actively using the internet to provide information, services or sell products will benefit by subscribing to i-Cop's publication - The Internet Marketing Trade Journal. It truly sets the standard for Honesty and Integrity Online. I'm proud to be a member.
     
    This FREE ezine is vitally important to online business owners and anyone even considering making money online! We keep folks
    informed about all online issues and programs to participate
    in, or avoid. Subscribe to
    The Internet Marketing Trade Journal here:: http://www.i-Cop.org/trade-journal.htm                  ...Richard

                                         To Top

    Reviews of the News (more encouraging news about controlling
         SPAM,  SCAMS, pornography, and protecting Personal Consumer 
         Information)

     

    Spam suppression efforts and results


     
    Headline

    FTC Releases Top 10 Consumer Fraud Complaint Categories

    January 25, 2006

    Identity Theft Again Leads the List

    The Federal Trade Commission today released its annual report detailing consumer complaints about fraud and identity theft in 2005. Complaints about identity theft topped the list, accounting for 255,000 of more than 686,000 complaints filed with the agency in 2005. The complaints, filed online or at a toll-free number, are shared via a secure database with more than 1,400 federal, state, and local law enforcement agencies, and law enforcement and consumer protection agencies in Canada and Australia.

    “With a call or a click, consumers can file complaints with law enforcers across the country and around the world,” said Deborah Platt Majoras, Chairman of the FTC. “These reports provide ammunition that helps law enforcers fight fraud and identity theft.”

    Identity theft complaints represented 37 percent of the 686,683 complaints filed. Other top categories of fraud complaints for 2005 include:

    • Internet Auctions - 12 percent
    • Foreign Money Offers - 8 percent
    • Shop-at-Home/Catalog Sales - 8 percent
    • Prizes/Sweepstakes and Lotteries - 7 percent
    • Internet Services and Computer Complaints - 5 percent
    • Business Opportunities and Work-at-Home plans - 2 percent
    • Advance-Fee Loans and Credit Protection - 2 percent
    • Telephone Services - 2 percent
    • Other - 17 percent

    Some other findings from the report include:

    • Internet-related complaints accounted for 46 percent of all fraud complaints.
    • The percent of Internet-related fraud complaints with “wire transfer” as the reported payment method more than tripled between 2003 and 2005.
    • Credit card fraud was the most common form of reported identity theft, followed by phone or utilities fraud, bank fraud, and employment fraud.
    • The most frequently reported type of identity theft bank fraud was electronic funds transfers.

                                           ~~~~~~~~~~~~~

    Other FTC activities

    Feds arrest alleged Internet ID thief

    The U.S. Attorney's Office in Los Angeles recently announced the arrest of a  California man on wire fraud and other charges. He is alleged to have deceived America Online customers into divulging their credit card information over the Web

    Jeffrey Brett Goodin of Azusa, Calif., was charged with using illegally obtained information to make unauthorized charges using the credit and debit cards of his American Online victims.

    He allegedly conned his victims, all of whom were America Online subscribers, by sending e-mails urging them to "update" their AOL billing information or lose their service.

    The e-mails allegedly sent by Goodin appeared to have come from AOL's billing department (a scam known as phishing). The e-mails, which were sent by the thousands, directed recipients to bogus Web sites operated by Goodin, and prompted potential victims to enter personal information, including credit card and
    debit card numbers.

    Goodin, 45, charged with wire fraud and the unauthorized use of a credit card, faces a maximum penalty of 30 years in federal prison. The FBI, the Secret Service and police in Ontario, Calif., all helped investigate the case.


          
                                    ~~~~~~~~~~~~~~

    Congratulations to  the FTC for progress-to-date and aggressiveness in enforcing the consumer protection laws.
    They get another of our
    'Good Guys' check marks                               
     Good Guy Check Marks to date  √ √ √ √ √ √ √ √ √ √ √ √ √ √  √ √ √ √