scott wrote:
> because you always need to have something extra with you to make a 
> transfer. 

That is precisely why it's called "two-factor authentication."  The problem 
with having only a password is that you don't know when it has been stolen. 
Hence the whole "change your password every 2 weeks" kind of thing.

-- 
   Darren New, San Diego CA, USA (PST)
   I ordered stamps from Zazzle that read "Place Stamp Here".

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