... The designations employed and the presentation of material, including maps, do not imply the expression of any opinion whatsoever on the part of ITU concerning the legal status of any country, ... dependent on the cost of time of an employee, the skills of the organization and the individual user to deal with spam, the sophistication of filtering technology, and the audacity of attacks. ... constitutes, on the one hand, a financial flow from consumers to criminals. At least initially, however, it is the banks who bear the financial burden. Only in the medium and long run will financial...