My rule of thumb is NEVER click on any link provided via email, no matter how authentic it looks. Go directly to the site itself and login. Embedded links can be redirected too easily.
I have to admit, the phishers are getting more cleaver. They use to be obvious, with mistakes and sometimes poor grammer on the mock email. But I recently got one "from Ebay" that looked perfect - until you examine the embedded link - didn't go to Ebay at all.
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