estic product in July. Kudrin said the additional budget revenue comes more from value-added tax and other nonoil sources than from the sale of hydrocarbons. According to Kudrin, budget deficit is expected to be 1.5 of the GDP in 2012, 1.6% of the GDP in 2013, 0.7% of the GDP in 2014 and zero in 2015. He also said the yearly average oil price, which balances the budget of the oil-rich country and is a factor analysts consider to determine the effectiveness of the budget discipline, has also been lowered to $109 per barrel this year. The oil price at which the budget is balanced is expected to be around $100 a barrel in the next four years, he added. Kudrin also said the national Reserve fund, Russia's rainy-day fund where it saves extra revenue from oil and gas sales to support the ruble in times of need, is expected to grow in the years to come. However, the minister called for active institutional reforms and frugal government spending. "In the past three and a half years we didn't conduct the reforms needed to reduce our dependence on oil," he said. Kudrin said he hopes reforms to pick up after presidential elections set for early 2012. "I expect economic policy to be more active when it comes to reforming the institutions," he said. "We need to free up business, lower the state's administrative functions, increase the role of the regions and provide more targeted social policy." Kudrin said that the recently announced rise in defense and social spending will pose a dilemma for the government--either to abandon them, or to increase taxes. He, the Federal Reserve said Friday. That followed a $3.6 billion increase the previous week. Jumbo certificates of deposit rose $6.7 billion to about $1.561 trillion in the latest weekly data, after a drop of $5.1 billion the previous week. Revolving home equity loans inched up by $100 million to $557.5 billion after dipping $500 million the previous week. More weekly Fed it's easier for someone to attach a device. When in doubt, use a different ATM. Banking Online in a Cafe You may have free Wi-Fi access at your favorite coffee shop, but you might not want to use it to check the balance in your savings account. If you're using an open wireless network, it's easier for hackers to intercept online transactions, passwords and other private business. "It's not the time to do financial business, your online banking or your shopping," says Marian Merritt, a Norton Internet safety advocate at Symantec, a manufacturer of security software. That goes for websites that start with HTTP and HTTPS as well because you don't know how securely the coffee shop, hotel or other free Internet access point is set up. Hackers can set up "man in the middle" attacks to grab your passwords, card number and other information while you're on the public network. So enjoy the latte and save checking your credit card statement for later. Responding to Phishing Messages If you receive a text message on your phone from your bank, and it asks you to log into your card account immediately -- but you didn't contact the bank -- raise your mental drawbridge. The same goes for a message that arrives via Facebook, Twitter or any other mode of communication. "Any unsolicited phone call, email, text or social media message could be a phishing attempt," says Erik Mueller, vice president of payment system integrity at MasterCard Worldwide. "Be skeptical of these messages, especially if they request credit or debit card data or personal information, or link to another website or Web page." With the right data, a phisher will quickly find a way to commit credit card fraud. If you think the message might be legitimate or you have concerns about fraud, contact your issuer directly using the customer service phone number on the back of your debit or credit card. Ignoring Your Rights and Responsibilities If you've lost your credit or debit card, suspect it was stolen or think someone has lifted your number off the Internet, call your card issuer immediately. Credit cards offer the greatest protection against fraud. Most card issuers provide zero-liability fraud protection, and federal law says once you report the loss or theft, you have no further responsibility for unauthorized charges. Your maximum liability under federal law is $50 per card. With debit cards, your responsibilities and rights change. While you may have zero-liability fraud protection on your debit card, it may not apply to PIN-based transactions or ATM withdrawals. Federal law also has some caveats when it comes to debit card fraud protection. If someone made fraudulent purchases with the debit card data and you don't report the theft immediately, your liability could skyrocket, especially if you wait longer than 60 days to report it. In addition, if a thief uses your debit card to drain your bank account, you'll be short on cash while your bank investigates. Not Using Free Fraud Protection Additional fraud protection is available for free by numerous card issuers and financial i