We used to warn our clients about the ‘run-of-the-mill’ phone scams, such as calls from ‘agents’ pretending to work for Social Security, or desperate phone calls from ‘grandchildren.’ Then there were the ‘Oh no, your computer has been compromised’ pop-ups that seemed to target all of us. (Hopefully, you all now have McAfee, or a similar virus protection software. Don’t you?) It may be hard to believe, but those calls and scams were from the good old days, because scams have gotten a lot harder to detect.