@hybotics It's a superb book. Extremely well written. Much better than even Dave Thomas' Elixir book. I started reading the first few chapters .... and then got distracted with Ruby so now I've started reading The Ruby Way (again, heh!).
@johngordon fraud continues to be problem. When Paypal was being launched the banks weren't worried because they thought fraud would eat them up. Building better mousetraps is what mortgaging the home is for...true then but slightly different yet same now.