Our latest survey of online consumers shows that roughly 1 in 13 households have disclosed personal information to an e-mail scammer.

Cyber criminals are pretty good at creating phony e-mails that look like they came from a bank or other reputable institution.

How good are you at telling the fake from the real? Now you can find out, with our free, interactive phishing test.

Here's how it works:

We show you a dozen e-mails we've actually received and you tell us whether you think each is fake or genuine. (We've put both types into the mix.) After you respond, we tell you whether you're right or wrong, and why.

Running totals show you how many you've guessed correctly and how many you've missed.

How many of the 12 do you think you can get right? Find out at our free Online Security Guide.

Scroll down to Phishing Trip and click on Go phish.

—Jeff Fox