Belinda uses online banking everyday for her small business transactions. One day, as she opens the browser and clicks on the bookmark link for her bank's website, she notices that some very slight changes have been made to the site. She wonders if they are sprucing it up a bit, because it hasn't changed in a while. A few days later, her company ledger is in total disarray. Which of the following has most likely caused this disarray?
a. She is a victim of radio frequency identification.
b. She probably visited a pharming site and didn't know it.
c. She must have segregated her spam mails without opening them.
d. She is probably the victim of spyware.