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Congratulations! Your online account access is even more secure.

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My Opinion of Congratulations! Your online account access is even more secure.:

I just got this line when I created (five) security questions with my broker.

It's a blatant lie. It's no more secure than it was before. In fact, these questions often provide a false sense of security and actually weaken the system as a whole. In many implementations they provide a means of short-circuiting the normal "hard" authentication system by asking questions to answers that can be found by easier, public, means.

It is not a means of two-factor authentication as many financial institutions claim--instead they function as additional (or worse, alternative) passwords. An actual second method of authentication would be similar to what banks in Europe use, where they provide a credit-card sized plastic card that has one-time use codes. This requires the user to both know the password, and to have the card--a true two-factor authentication method. Knowing two things doesn't increase the security anymore than making a stronger password would.