As for internet banking, I like one of the major Swedish bank's system. Basically, when you sign up for online access they hand you a small calculator-looking device with a built-in algorithm connected to your account. It's also protected with a personal PIN. So when you go to their webpage to log in, it provides you with an 8-digit code with you input into the calculator, which then replies with a new 8-digit code that you input on the login page. I imagine that being way more difficult to hack than a simple personal password, even if encrypted. Obviously it's still possible, but the amount of data needed to crack an algorithm is considerably higher than a simple password, as well as gives a greater protection against keyloggers. Is this system unique to Sweden or do you have anything similar in America?

[quote=ugg]Agreed, I was actually thinking that I would stop playing for a while and see exactly how things would unfold.[/quote] I was thinking about doing the same thing.