As this graphic from TowerGroup and the CERT Coordination Centershows, general security threats online have escalated quickly.Additionally, the Internet Crime Complaint Center (IC3) says itprocessed more than 120,000 complaints in 2003 (up from 48,252 in2002). The Federal Trade Commission also has recorded a steepincrease in Internet-related fraud, with 166,617 consumer fraudreports in 2003 (up from 110,288 in 2002). The inset of Exhibit 1shows how financial institutions are raising their level ofsecurity to guard against increasingly sophisticated threats.