Nigerian e-mails old now. Now daily I get notification of winning millions from UK. On an average I get 30-40 winning notifications per month. Recently I got a genuine call from Bank offering me change in accident insurance plan and various options Later she asked credit card details for verification purpose, which I refused. Because number displayed was not known to me. After all security is joint repsonsibilty. It was sorted out later but Bank appreciated my viewpoint and carefulness. Very good article, The pransters are innovative and come out with new things all the time so we must be vigilent and share our experiences