A wave of targeted phishing attacks on doomed banks and brokerages have been spotted. The FBI is seeing more spear phishing aimed at businesses that were hit hard by the economic downturn. Bad guys continue to go after “hot items,” such as online banking credentials and online shopping accounts. Experts say more malicious Web sites posing as financial advisory services will start to emerge in this jittery financial climate in the past few months’ Experts say people are more focused on their finances than they are in securing their networks.”]