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As kids, long before becoming risk managers or claim adjusters, we fantasized about becoming someone else when we grew up–a fireman, astronaut, or even an NFL quarterback. Personally, none of these worked for me. Fire makes me nervous. Astronaut diapers and love triangles were turnoffs. At 5’7″ tall, I bear no resemblance to Peyton Manning.

How about the prospect, though, of someone else becoming . . . you? For many people nowadays, this is no fantasy. It is a nightmare. Identity theft is a growing problem in the digital age. It has become one of the big risks to manage in our personal lives. In fact, it looms as one of the huge personal risk management challenges to address.

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