The Internet is not a safe place. I’m not talking about your kids, I’m talking about YOU!

Recently my financial institutions have begun implementing “security enhancements” in order to fain compliance with guidelines set by the FFIEC. In a nutshell, the recommendation is as follows:

Using nothing more than a login ID and password to access banking and financial transaction services via the Web is insecure. Instead, financial institutions should turn to multi-factor authentication schemes to ensure client safety.

In order to understand what this means, here is a quick security lesson.
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