Ah, the teachable moment. For parents, teachable moments often come when kids are in tears, fresh off a major disappointment or minor injury and not really expecting to learn anything at all.

Banking has its own teachable moments, and Bank of America has engineered more than 60,000 in the past few months as it educates customers about the perils of phishing emails. As part of the bank's proactive takedown strategy, known malicious sites are replaced with a redirect to an Anti-Phishing Working Group educational page that gently informs consumers they've almost 'just been had.'

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