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Actually, they need your user id, password and the answer to a security question. Vanguard tracks the individual pc's which you log in from, and if you try from a new pc, you have to answer a security question.


FWIW we are cooperating with a California police division that oversees computer fraud. These are VERY smart people. I am pleased that the more sophisticated the criminals become, so do the police.

I also appreciate the extra step that Vanguard takes to insure we're logging into a legitimate website.

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