dude u got my vote... anothr great idea would be like when entering your bank first an account number pops up like a combination box and u click a up or down arrow over each number till you numbr is pinned in then you do the same with your bank pass....yes it would be a pain for any random moron running around with a p hat on poisened or sumthing but think about all the poor fools who get keylogged each day this would drasticly stopp peoples banks from being cleared while being hacked....also when letting a friend (mainly rl friends or siblings) borrow an item u could like have a lock box that is accesible to other people like the same bank account number but they key in a different pass accesing your lock box and they can grab the item they intend to borrow...another idea... say you go to log on after a month of vacation to see that ur pass is changed and also ur recoveries are changed and the membership is now under different payment then *ding*(lightbulb)*ding* im not completly skrewed i can still get my stuff YAY *jumps for joy*