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Secure Online Excess
Oddly enough, it's "Smith."

And sometimes it seems like the real reason financial institutions use multiple security measures is to protect us from our own stupidity. Like I'm using my master password as my handle in Halo, or something.

I've had multiple financial sites lock me out because they didn't recognize my accessing device, or I was behind a proxy, or using a VPN. And once I had to visit a bank branch in person to physically verify my identity -- it was so weird being inside an actual brick-and-mortar bank that I first asked them to verify their reality.
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