Rich

For anyone not connected to the cyber security field - there are absolutely unprecedented levels of attacks going on right now. According to several senior experts I've talked with, we are seeing CVEs that would normally get headlines like "the worst vulnerability in years...except there have been over a dozen in the last 24 hours. Few major breaches are known about so far, but this is moving very quickly. It's largely driven by hackers employing AI agents to both identify and capitalize on weaknesses much, much faster, and at larger scale than used to be possible. Some recommendations - be sure you don't reuse passwords. Especially don't reuse a bank / financial password on other, less secure sites. If one gets breached, they all do. Chain only as strong as the weakest link, etc. Second - secure your email - most "password resets" give an email option. Your email is the key the practically everything else, so you should have it MFA at least, tokenized by preference. And third - recommend freezing credit. It takes a couple minutes to do with all three agencies. That keeps people from opening accounts in your name. You can unfreeze in seconds whenever you want, but it adds a good bit of security. My Dad used to talk about how "any car can be stolen, you just need to make your car harder to steal than those nearby." Basically, the ease and speed of all cyber crime is going up faster and faster. Everyone is a exponentially easier target than they were a couple months ago, and a couple months was exponentially worse than a year ago, etc. So both make yourself a harder target, and take steps to mitigate the impact when breaches do happen. One last practical step - in the event of a breach in financials, you'll likely see accounts (credit card, checking, etc) frozen for awhile, even if you end up getting everything back. Be sure you have other checking / credit / etc. at other institutions, so that getting your primary frozen for a couple weeks doesn't prevent you making mortgage or grocery payments.