I'm constantly reminding all of you to make use of 2-factor authentication on all of your online accounts because it provides an extra layer of solid protection. You have been using 2-factor authentication for years with your bank debit card because you need to have both the actual card and the associated PIN. Think about how dangerous a debit card that didn't require a PIN would be...well that is exactly what you're doing if you don't turn on 2-factor authentication when it's being made available. Once you activate it, a cyber thief that steals your username and password will also need to steal your smartphone in order to gain access to your account. It also serves as a great way to know when someone has actually stolen your login credentials. Virtually every major online service or bank you work with will offer this protection. If you want a list of which services offer it and how to turn it on for each one, I've posted a link to a site with a complete list at DataDoctors.com/radio https://twofactorauth.org