Perhaps not surprisingly cybercrooks are focussing the global economic crisis to create scams based on refinancing and unemployment. A survey by brand protection firm MarkMonitor reveals an increase since September 2008 on domain cybersquatting and phishing scams based on terms such as foreclosure and mortgage refinancing, with "credit crunch relief" getting particular attention.
It obviously needs to be stressed over and over again not to click links within emails and to look very carefully at whether you are on the correct website. If you find something claiming to be from a well-known brand with a special offer then just do a search and find their genuine website. If there is a special deal, it will be on their website. Phishing works because there are always enough dumb people to make it profitable.