The correct answer is to clone a known trusted site and slightly modify it (e.g., a login page of their webmail) to collect user credentials. This approach is considered the most effective because it presents a familiar interface to the target, thereby increasing the likelihood of the phishing attack being successful. In contrast, replicating an exact copy of a website may raise red flags if the URL or security certificates don't match, while modifying a company's public website or sending unrelated documents might not be as convincing or relevant to the targeted individual.