However, such a password can be difficult to remember.

On the other hand, if you throw Roger's innovation/adoption curve up on the wall you might find "early adopters" on the uphill side of innovation (and return on investment) for a reason. They are trying out "new ideas in a careful way". This might put some perspective on your suggestion that two-factor chip authentication is twenty years old and it is too late to be useful...moreover, let's not confuse the RSA sales pitch (buy tokens or die) with fact.

These suggestions are like installing high-security deadbolt lockson doors of an office or home.

And where technology doesn't help an attacker social engineering always does the trick. I claim that we run a good user education program with regards to password safety, and yet i just had two weeks ago a user with a problem and for troubleshooting i had to request a username and password for accessing a specific site. Instead of providing me with my own account the user simply sent me his details. After pointing (again) out that nobody must share their account details the answer i received was: I thought as you are the security manager and this is OK. My answer: Especially I as security manager should not get hold of any other account info. I know what I have to do in a non-trackable way to cause you a lot hassle in your life. All you will wonder about after being picked up by the police is what just happened there (and you will never understand). Then an explanation why this is legally not even an intrusion if the user shares willingly his password details (at least here in the UK it can't be seen as an intrusion and any court would kick the case out), and then suddenly a very white face. And despite all this i guarantee that this user next time around will gladly tell us his password again if asked. Will 2-factor auth ever prevent this users stupidity? Never. Just call him and ask him for his PIN and the current displayed passcode.

Of course, you don't need to limit yourself to official languages.

ISPs typically select a user name thatis the same as the last name of the subscriber.

Sometimes you may be required (or you may want) to develop a more formal outline with numbered and lettered headings and subheadings. This will help you to demonstrate the relationships between the ideas, facts, and information within the paper. Here's an example of what this might look like:

UMUC is a proud member of the University System of Maryland.

If the user does not send/receive some data over the Internetduring some period of time (e.g., ten minutes), theISP will automatically disconnect from the telephone line andsever the user's connection to the Internet.

Here are two new active attacks we're starting to see:

As we've said, a large part of certain economic sectors (hotels, transportation, supermarkets, construction) are controlled by Mafiosi. In a land without a tangible industrial base, public monies are the Mafia's main target. Everything has its price. Most politicians (Left and Right) can be bought, and the same holds true for managers of most larger banks and utilities. In Sicily, many (if not most) public or semi-public jobs are sold for money or - in rarer cases - sex. (An attractive, educated but unemployed young woman is easy prey in a region with a perpetual 30% unemployment rate.) Public contracts are assigned - actually sold - in exchange for bribes and kickbacks. Everybody expects a substantial kickback (usually at least 10%), from the politician who gets you a public advertising or construction project to the event organizer who gets your musical group a gig in the local music festival. In business, money laundering is a way of life. It's all part of "The New Mafia." In such a climate, the (protection money) and revenue through legitimate businesses set up with Mafia money are still important.

Step by step instructions on how to recover from Identity Theft.

Marketscore can only monitor the Internet behavior and activity of your Household's registered and configured computers. As a Member, you therefore control which computers the Marketscore service is available on. Marketscore monitors all of your Internet behavior, including both the normal web browsing you perform, and also the activity you may have through secure sessions, such as when filling a shopping basket or filling out an application form that may contain personal financial and health information. Marketscore's proprietary and patent pending technology allows us to see the details of secure pages while protecting such content from parties other than the site to which you are connected.