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The only real protection against this is to avoid 5-week-long vacations in which you don't check your accounts.
Not only kddie hackers, but even Sony is getting into the stealth software biz. Some Sony music CD's will silently install software on your computer to ensure you don't copy their music. It was stealthy enough to avoid detection by any virus scanners. This reminds me of corporate ICE from Gibson's Neuromancer....
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