But Christ-on-a-fucking-wheel, why did it take until 2009 to be able to move money instantly from one account to another? And it's still only certain banks that do the same-day transfers. These guys are absolutely retarded. With the billions they make every second, you'd think they'd be able to install a few broadband lines between their offices and make it so money can get transferred quickly. Three days - seriously?!
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.
It seems to me that they only need to present you with a single convincing page to get you to give them a one-time pad that can be used to drain your account (at least up to your withdrawal limit, if you have one).
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)?
No amount of careful planning will ever replace dumb luck.