Phishers are getting so good and so numerous that even the most technically adept of online bankers should think twice before typing in that password. Even if it's a legit site, databases can be infiltrated and passwords can be cracked. Time for something more, then. Intel is working on it, teaming up with Symantec and Vasco on what's being broadly termed Identity Protection Technology, or IPT. This tech enables a computer to, in hardware, generate a one-time password (OTP) that a compatible site could accept. That computer would have been earlier pai