I recently got a key fob from Charles Schwab which generates a unique passcode for every login. TO login I supply my account name, my password, and the string of digits presented by the key fob. I sleep better at night knowing it's virtually impossible to break into my schwab account. I think paypal needs to offer this same level of protection. It's not new and it's not expensive, and can be added to the current authentication infrastructure easily, without impacting existing customers who don't want to be bothered. So... what do you think?
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