I totally and fully understand the risks involved with hackers /phishing / and scams etc , and appreciate the extra protection that even ebay and the banks have increased , but if it comes to the stage where you cannot use the system for the job intended , then that defeats the object somewhat doesnt it .We will if the banks and big money men get their way , be totally reliant on these systems , as the use of real in the hand tender money,is removed as much as possible. You pay for a computer/mobile device, pay for your power supply, pay for your microsoft software, and then for your internet supplier , and now for the privellage of using it on your own device. It is what it is ... yes , but is it all so needed , or is it all greed ? Poor people such as Richard Branson disagree , im sure. ... Going to bed now ... enough for one day ...