Are you reluctant to go to a Web site because you’re worried that your information may be stolen or used for nefarious reasons? People are cutting back on the amount of e-commerce they’re doing because they are really concerned. Well, companies are getting wise to this and are increasing the security of their sites and making it more difficult for criminals to hack into their accounts. Clark had to setup three personal questions, for example, when he signed up for an account the other day. It’s called the “challenge system,” and it allows people to have control over their security parameters. You will also have a user name and password. Bank of America is getting on board with this and is going to offer its own verification system so you know you are, in fact, on the BOA site before you do business. eTrade is using a “Smart Key” that you plug into the computer when you go online. You need this to get into your account.