In today's podcast we hear more about possible other instances of fraudulent messaging in the SWIFT financial transfer network. We discuss an active Android ransomware campaign that appears to be using old Hacking Team exploits. US DNI Clapper thinks the acceleration of encryption, post-Snowden, really hasn't been a very good thing, and calls for a balance between privacy and security. The US continues to ramp up its cyber offensive against ISIS. Joe Carrigan from the Johns Hopkins Information Security Institute tells the tale of a scammer strung along.