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Not too long ago, it would have been extremely far-fetched to imagine buying crime services a la carte. But that’s the dynamic that emerged in 2012 to plague cybercrime victims on both the consumer and corporate end of the spectrum. The black-market infrastructure that supports cybercriminals is increasingly backboned by packaged malware, exploit kits, as well as hacks and fraud as a service. Expect that to continue and evolve in 2013, experts say.