If you are one of those people who has their Christmas tree up the day after Thanksgiving and already has their holiday shopping completed and wrapped, then I commend you. Because I am absolutely, one-hundred percent the opposite – a third of the way through with everything and scrambling to finish right up to the very last moment, which usually means you'll find me wrapping presents and watching "Die Hard" at 1 a.m. on Christmas morning. (Hey, it's tradition).

However, busy people are often the easiest marks both off- and online — and don't think hackers, scammers and threat actors don't know this. They're looking for ways to use that against you, whether it's look-a-like websites, AI-enhanced phishing emails or ads embedded with malware. If you're distracted and rushed, you may not noti

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