Remember also, as we keep telling our users, if you hover the mouse over a link in an email, or on a web site, you will normally get a 'speech bubble' or some other display of the actual address it is pointing to. If that doesn't tally with what is displayed on screen - ALARRRM!
We also keep telling them that if you aren't sure, then type in the URL for your bank, etc., directly, rather than clkcking on the link.
Geoff