jerry irvine is president and cio of prescient solutions and was a member of the cyber security task force. short term, what should we be doing if we conduct a lot of online transactions? >>the first thing i would do is start using payment centers like amazon, google, or paypal so that my transactions will be with one company not multiple and that will limit your exposure to these other servers. >>and then test the servers you do business with to make sure they have done the fix before you change your password. >>absolutely. if you go in and put in the name of your bank and it will come back and tell you if they fixed it. if they have, change your password. if they haven't and you change your password, they can steal it again. >>we love online banking and buying. we put more of our personal services online but do we need to be more wary of this huge interconnected electronic universe? is it ever going to be completely safe? >>nothing is 100% safe. all manufacturers have monthly patches and system updates and security updates. >>windows updatesfor years. >>all of those have to be done