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In their efforts to increase security (or at least the appearance of security), both ING and Emigrant are getting to where I'm a bit disgusted with the usability barriers.

Fidelity made some changes about a year ago, and Vanguard just did the same, so this isn't confined to ING and Emigrant.

I do agree with you however that some of the stuff seems just plain ridiculous! I was unable to log into Emigrant for about 3 days because their server kept going down due to high traffic. DUH, doncha' think they could have anticipated that asking all their customers to engage in a lengthy log-in verification change, plus view and comfirm agreement with all their legal 'notices' simultaneously on the same day would result in 'high traffic'? I wrote a scathing email to them about this, to which I received no response.

At least Emigrant allowed you to create your own questions and answers. This was great because after 40 years I can't quite remember who I perceived my 'best friend' in high school to be. I also went to 3 different high schools, so trying to remember which name I used in response to that question was similarly futile. The same difficulties hold true of "What was your first job?" Let's see...did I respond with my first full-time job or part-time job? Or did I just answer 'babysitting'? At least Emigrant allowed me the option of creating more clear-cut questions and answers.

I guess I need to think about doing all custom challenge questions and making the answers easy to type.

I use questions with only one-word responses that are factual, but only to me--and you might also want to determine in advance that every character in all your answers everywhere will be either uppercase or lower, rather than mixing the two.


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