This plopped (and I use the word advisedly) into my junk mailbox today:

From: Financial Services Authority [Europeanservices@fsa.gov.uk]
To: [photos@lois.co.uk]
Subject: United Kingdom Banking Upgrade !

Dear United Kingdom Banking Customers Upgrade

Due to concerns, for the safety and integrity of your bank account we have issued this warning message.

It has come to our attention that your Bank account information needs to be updated as part of our continuing commitment to protect your account in this year 2008 and to reduce the instance of fraud on banking websites. If you could please take 5-10 minutes out of your online experience and update your personal records you will not run into any future problems with the online service.

Once you have updated your account records your bank account service will not be interrupted and will continue as normal.

To update your Bank records
Please Click Here [http://210.73.226.8/securityupdate/]

Four you safety we will save ur ip adress

Thank You.

Accounts Management As outlined in our User Agreement, Your Bank will
periodically send you information about site changes and enhancements.

What a prize example of incompetent spam: generic and inaccurate addressee, misplaced punctuation, last year's date, no attempt to hide the fraudulent URL, Random Initial Capitals, and an obvious selection of cut and paste from different sources: note the sudden lapse into misspelt txtspk at the end?

Not to mention the fact that the FSA is not known for randomly emailing people about their bank accounts.

I find it depressing that enough people respond to such messages to make it worthwhile sending them. Are people really that credulous and ill-informed?