Except in the case of the CIO, the pirates are the business teams who, armed with a mere creditcard and a cloud-based application, can navigate around a less nimble CIO and his staff.
Music lovers can access MOG's entire catalog of over 11 million songs, nearly everything you'd find in popular music download stores, for free, making it the easiest way to enjoy instant access to music with no installable client application and no creditcard needed.
An e-mail could alert a consumer who didn't apply for a new card that Sears Roebuck (nyse: S - news - people ) or Citigroup (nyse: C - news - people ) checked his credit in connection with a new cardapplication, a possible sign of identity theft.