I got 80% on the score, only because I though a couple emails were scams that turned out to be legit. But a less savvy and experienced individual would be fooled by many of the phishes-they are getting better, scarily so. Someone who doesn't know to check the website addresses, for example, would be nailed.

schneb does have the right idea in any case, and the site does mention this in every solution, even the legitimate ones... basically, the "Better safe than sorry" expression does apply very well to phishing.