My bank takes two days to do an internal transfer and three for external. What's happening is that the bank is still using my money to make more money during those three days, but not paying anyone interest on the deposit. It's only pennies to we poor peons, but it adds up pretty quickly for the bank.

It's not that the bank couldn't make the transfer immediately, they just didn't/don't want to lose that little cash cow.

One-time pad was perhaps the wrong wording. It's a list of 200 or so numbered 6-digit numbers that are used a single time to authenticate a single transaction.

Though I realize people are dumber than I expect, who would enter 200 6-digit numbers into a form from the bank? The bank sent you the numbers in the first place.

The point is that you're only ever asked for a specific number once, and if you mess up three times they lock your account. The attacker would need a good part of the unused list to have a chance at having the right number at the right time.

This is why German banks use a one-time pad system at the actual transaction itself. I can log in with a single password. To process an actual transaction though, I need to enter a randomly selected code from a piece of paper they sent me or the code they send me in an SMS. Since it's only good for the transaction at hand and only ever used once, there's no way for it to be used by someone who's intercepted it.

Though, I suppose the attacker could try and get me to go through the entire TAN list, faking failures every time. I don't know how many people would go through 200 failures before calling the bank though.

I'm using a Notebook Mouse 5000 right now with OS X. I also use it with Ubuntu on another partition. Works perfectly, and you can even set the thumb button (button 4) up just like any other mouse.

I Windows Vista and 7 I have to delete the mouse and re-add it every time I restart the computer. For some reason it won't stay paired. Odd that an MS mouse doesn't work with Windows, but does with everything else.

Spotlight is an awesome calculator. It's always there, and it supports most of the functions from math.h. How many desktop calculators let you do ln(5)?