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However, the status bar said the link was to someofficiallookingsubdomain.citibank.com Curious, I opened the source text and saw the trick- the e-mail wraps an a href tag (with a link to the phishing site) around an a href tag with a legitemate citibank link.
I happened to read the message through a browser-based interface, so I don't know if it would have the same effect in an e-mail client. (I gess I won't delete it after all and will download it tonight.)
Maybe it's common- I just hadn't seen it before.
I think I'll set up a simple test using a 'good' and a 'bad' page on my site, and then send an e-mail with the nested links and instructions so that users can test their web-mail for this problem.
Jim