There is lots of theft with PP, you wouldn't believe some of the hackers I have seen. They LITERALLY HAVE around 100+ pages FULL of PP info and passwords! It's crazy...I always suggest changing your password every few weeks and NEVER logging in through an email. Always go through the website by typing it in by hand! I KNOW I KNOW...you are all lazy americans...but it's the lazy ones that give SWIM's hacker friends THOUSANDS of DOLLARS!