High-profile data breaches continue to spotlight the growing risks consumers face of identity theft and credit card fraud. Four highly visible data breaches disclosed in the last 18 months are particularly worrisome because they show a systemic failure in the procedures that both the public and regulatory agencies expect companies to get right. One notorious incident involved retail giant TJX. In that case, hackers stole some 46 million credit and debit card numbers when they accessed the computer systems at two TJX corporate hubs over a period of several years.