and my daughters use her computer. I have little doubt it has been hacked as I've had to re-image it several times. I can not convince my wife to use a live CD for online banking. I guess it will take us getting wiped out to drive home this point. There is an inflection point between prudence and convenience. Woman are especially non prudent (I want to access my bank when I need it, I am not going to reboot) This is a larger problem of identity that needs solving. It is big bucks now. We need a secure solution. As as a professional coder, I do not see one. Anything on the net can be hacked. Voting machines? On the net, consider the election stolen. Heck, just electronic voting, consider the election stolen. Nothing electronic is immune and all of it is vulnerable. Stinks, but that is reality.