For instance the attachments arriving with some Bagle variants took the form of password protected archives or zip files.

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But Passport, which stores personal information on Microsoft's servers, still lets customers use wildly insecure passwords like "password, " and lets anyone who knows your zip code take several cracks at guessing the personal "secret question" that resets the password.

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Entrepreneurs simply choose a username and password, enter an e-mail address and zip code, and sync the site to their QuickBooks software.

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