[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).
As far as names go, we've toyed with Beatrice and Felicity but are still open to suggestions.
It was 37°C here today at 3:30pm, then down to 23 two hours later. This seems to be a regular pattern, and I think I'm getting the hang of it. Step 1: stay indoors...