Far be it from me to add to this, but this is from FV's own website: [begin quote] [2] Why don't you use encryption with First Virtual? Encryption is almost always cumbersome and difficult. And it always adds an additional step, and something else to worry about. After all, even banks and armored cars are subject to robbery attempts, and sometimes those attempts succeed. Rather than use encryption, we decided to design a system in which it wouldn't be necessary. [end quote] I, uh, think that speaks for itself.