Any developer can tell you that not all C or PHP or Java programmers are created equal; some are vastly more productive or creative. However, unless or until there is a way to explicitly demonstrate the productivity differential between a good programmer and a mediocre one, inexperienced or nontechnical hiring managers tend to look at resumes with an eye for youth, under the "more bang for the buck" theory. Cheaper young 'uns will work longer hours and produce more code. The very concept of viewing experience as an asset for raising productivity is a nonfactor — much to the detriment of the developer workplace.

The victims typically bank with smaller regional institutions, which typically have fewer resources to detect scams. Scammers hack into phone systems and then call victims, playing prerecorded messages that say there has been a billing error or warn them that the bank account has been suspended because of suspicious activity. If the worried customer enters his account number and ATM password, the bad guys use that information to make fake debit cards and empty their victim's bank accounts.