What are your best Rule examples for filtering the Spam that gets through?

[tbatst]

I'm trying to flag some of the spam that is now getting through to my
Inbox. Up until a few months ago, it was working great, but now three
types of spam are getting through, at the rate of about 20 per day.
These spam have three basic categories:

1. refinancing
2. male enhancement (Viagra, Cialis)
3. Paypal/bank requests for passwords

I'm using Entourage 2004, with the Junk Protection set to High

I *think* the best way is to set up a Rule. Since the Subject and
Sender rarely are accurate reflections of the content (and constantly
changing), I think I need to avoid "Subject" and "From." Instead, I
think the best would be to set up criteria uses "If any criteria are
met", and Message Body Contains . (My *Then...* would be Change Status
to Junk ,and Move Message to Junk).

My question: Do I need to set up separate Message Body Contains for
each word, or can I put a string of known content words in one of them,
such as :

Cialis, confidentiality, Professional Edition, Suspension

Also, if I put Message Body Contains : Professional Edition, will
Entourage flag both emails that contain just one of those words? i.e.,
if a friend writes about the edition of his new book, will that get
flagged?

Anyway, you get the idea. I'm really just looking for the way you all
set up a Rule or Rules to deal with the junk that seems to get through,
and does have a pattern of recognition to it.

Thanks.