One third of consumers in a recent Gartner survey said that online fraud has affected their e-commerce and email behavior. Few are willing to actually pay for more security. Retailers are apparently getting savvy about the insider threat, but still not disclosing all of their data breaches. Nearly 45 percent today pay for one or more desktop security products; 10 percent dont use any of these tools at all; and the remaining 45 percent use only free security software. Around 65 percent said they are more careful about giving out personal and financial information now.”]