Anne,

I never know when I am over-reacting and when my actions are just "normal caution!" By instinct I want to trust everyone, but after a few costly life lessons, no longer do.

Two styles of signatures are an excellent idea, and I am going to suggest that to my husband and daughter, (unfortunately I am so forgetful these days I myself will mix them up, I have trouble with my pin number on one single card!)

Semeone mentioned the other day that it is unlikely we will every be able to live our lives under the impression that our finances: whether R.A.'s, medical aids, pensions or bank accounts are safe from misrepresentation, corruption and fraud.

For every technological advancement to ensure security, the criminal minds find ways around it.

Yvonne