For the latter, bills have been paid long ago (sunk costs), titles are carried in inventory at or close to zero cost, and direct mail campaigns will create a low cost of goods sold and will be able to sustain a lower rate of response.
A browser is software that is used to access the internet. A browser lets you visit websites and do activities within them like login, view multimedia, link from one site to another, visit one page from another, print, send and receive email, among many other activities.
Most popular web browsers comes with built-in anti-phishing and anti-malware protection services, but almost none of the alternate web browsers have such protections. Password managers can also be used to help defend against phishing, as can some Mutual authentication techniques.