While many systems are in place by the card provider to identify fraud, the card holder is left with the ultimate responsibility. Preemptive steps to reduce chances of fraud include installing anti-virus software, keeping and maintaining current records, and reviewing statements and charges regularly. The objective is to provide a first defense in spotting fraudulent charges. Exercising caution on online sites, especially suspicious or non-established sites, as well as in foreign countries is also advisable. The legitimacy of websites should be verified. Checking with the Better Business Bureau is a first step to see how that company has established themselves. Once on a website, the user can check what security or encryption software the website utilizes. A padlock to the left of the URL, can sometimes be found to signify additional security is being implemented. A physical address for the company, or sending an email to one of the contact addresses can further verify the reliability of the company. Even on trusted sites, it is important to be diligent that one has not navigated away from that site. Other safe practices include being cautious of account number distribution, keeping credit cards separate from a wallet or purse, keeping constant sight of credit cards, and drawing lines on blank spaces above the total on receipts. On accounts in which one has saved card information, it is important to have a strong password with a mix of numbers and symbols. Using different passwords for different sites, is also strongly encouraged.