The headline of this article says a great deal about where we are as a society in our war against cyber crime. Deeper into this article, you will see statements about the lack of confidence many institutions have in the face of these threats. Now is the time to act. Take your IT Security seriously. PCI DSS 3.0 is another strong step in the right direction, but compliance is not a panacea. A lowest common denominator approach will leave you vulnerable. You can’t simply lock the front door and hope you are safe. Criminals know you have a back porch and are willing to climb through an open window.