It’s the time of the year that throngs of people converge on area malls and shopping centers and millions more go on-line and use their credit cards and debit cards to make sure that friends and family members get the presents and gifts they deserve. This is a most appropriate time to highlight the significant dangers with passwords and credit or debit card numbers and PIN numbers. This year 15 million Americans will lose 50 billion dollars to identity theft. That number, tra