Guys, I am just not interested in being so "connected." That is apparently difficult for some of you to grasp. I still bank in person and they know my name when I walk in. Still use checks for recurring bills, have a land line, and (gasp) have the paper delivered every day. But be assured I do have that flip phone which is water proof and shock resistant and serves its intended use and my (one) credit card has an electronic chip. Oh, and my truck actually has electric windows and an automatic transmission. I know, hard to believe but I somehow muddle through life.