In announcing a crackdown on "phishing" e-mail scams that netted one of the FBI's largest cyber crime cases ever, FBI Director Robert Mueller on Wednesday offered a candid revelation: A personal close call with a phishing scam has kept his family away from online banking altogether. Addressing the Commonwealth Club of California in San Francisco, Mueller spoke at length about the insidiousness of cyber crime, and how cyber criminals had affected him personally. Not long ago, the head one of our nation's domestic agencies received an e-mail purporting to be from his bank. It looked perfectly legitimate, and asked him to verify some information. He started to follow the instructions, but then realized this might not be such a good idea. It turned out that he was just a few clicks away from falling into a classic Internet "phishing" scam--"phishing" with a "P-H." This is someone who spends a good