The threat of digital predation by a virus, or online scam seems so pervasive these days that you might have just accepted it as an inevitable part of life. When a computer virus ends up draining your bank account, however, this common scourge can hit too close to home. The good news is 97 percent of security breaches can be prevented, and if the worst happens, there are tools available to help you cut your losses and beat cyber-crooks at their own game. With the right software and a few simple techniques, digital fraud, identity theft, and sensitive data loss can be easy to thwart.