[rab] yes - it's a security measure that ensure that you are the right person to access the account as you need the card, its PIN, the gizmo, and the log-in details to get in to the account or set up a new payment. Not a bad idea all in all, but a bit of a pain sometimes.

[SM] As it said at one time on the front page, this site is powered by STEAM which is a few php scripts I threw together over a few wet Sunday afternoons to handle the stuff. It's all basically straightforward stuff, apart from the hide widget which is done by Javascript. The hardest part of that was to get it looking sensible for people who don't have Javascript enabled. Not much CSS trickery - although even then the old version of IE made a pig's ear of it.

[GIII] Whereas I think it's completely over the top. They already ask me for some user name that I can't remember, random characters from a password and a secret code. The card-reading gizmo has removed the one thing that made online banking useful - the fact you could access it anytime, anywhere. (Very handy when you're travelling).

[rab] Barclays at least has removed the requirement to remember passwords and secret codes. I'm inclined to agree with you however on the travelling point.

[GIII] Ah ok - RBS ask you to scan your card in addition to all the other stuff when you want to do something like, oh, pay some money into an account you hold elsewhere. The not-having-to-remember-your-password thing seems pretty sensible; in fact, the worst thing about one of my online accounts is that the password is easy for me to remember (since I chose it) but the username is some 8-digit number I'll never be able to commit to memory.

Project tiddles has been installed. The instructions said that she would hide behind a sofa, not want to talk to us nor touch her food. She's generally wanting to be where we are and is wolfing down her food. Katharine's just introducing her to the sofa... let's see how it goes.