Research firm Gartner has estimated that ATM and debit-card fraud resulted in $2.75 billion in losses in the 12 months ending in May 2005. Most, it says, resulted from phishing and keystroke-logging attacks that capture account information and PINs. However, research from TowerGroup, a global financial-services advisor, estimates these losses to be much lower, with less than one percent of fraud losses coming from phishing. Most losses, it says, are from stolen cards and card skimming.@ Criminals Exploit Consumer Bank Account and ATM System Weaknesses is $95 through the Gartner Web site. Turning Phishing into Cash: Criminal Convenience at the ATM? is available from TowerGroup for $1,750; a summary is at SM Online.