About two in three people surveyed use fewer than five passwords, while more than 10% use only one password for everything. About 65% of respondents said that they themselves were "very responsible" for protecting their identities, while 53% felt it was the job of the bank or the financial institution concerned. To a lesser degree, they said that level of responsibility fell to law enforcement agencies (29%), the federal government (27%) and merchants (24%). The survey allowed more than one response. The study found that the number of consumers unwilling to share personal information with online retailers rose from 35% last year to 44% this year. Of the 64% of respondents who considered themselves "more informed" about identity theft issues compared with a year ago, nearly half said they don't consider themselves any safer, and one-quarter said they felt more vulnerable.