The picture below is a word cloud of this blog, using Wordle. :o)

I'm not sure why "one" is so prominent. Have I really used that word so much?
Why is everyone who drives SLOWER than me an IDIOT, and everyone who drives FASTER a MANIAC?
"This is not 1968 and the invasion of Czechoslovakia, where Russia can invade its neighbor, occupy a capital, overthrow a government and get away with it. Things have changed." -- Condoleezza Rice, U.S. Secretary of State, on the conflict between Russia and Georgia, August 2008.
"Debix does not place a "credit freeze" on your credit file. Debix service does not prevent your credit file from being obtained; it will only prevent new credit lines from being opened without your consent. A fraud alert requires the creditor take additional steps to verify your identity. One step is to obtain your permission via your Debix safe number."
"The Achilles' heel in all of these plans is that the financial institution does not have to make a reasonable attempt to contact you, so the fraudulent account may still get opened. Even with a credit freeze, some financial intuitions won't contact you. There's no way to prove or disprove an institution called you" -- cnet.com
"Not only does Debix put a credit freeze on your profile, but it uses its own phone number to log whether the credit institution tried to contact you. And if you're not available, Debix puts the pending account or loan on hold until you are able to return the call. And by using a Debix phone number, not your home number, on your credit report, that adds another layer of security to the product.
So how does Debix work in the real world? Say you are at a car dealership and you need to finance a new car. Shortly after the salesperson leaves the showroom floor, your mobile phone should ring. That's Debix; you know it because it's your voice saying a secret code. Then Debix asks if you indeed are seeking to establish a new account. If yes, you type in a secret personal identification number.
Say you are on vacation and Debix conveys a permission request for a new account. Since you didn't request a new account, you press star and you are instantly put in touch with a Debix investigator, who then contacts the party requesting the credit check. The advantage here, says Holland, is that the ID fraud case is still hot. In some cases, Debix has been able to identify a particular IP address and then turn that information over the local law enforcement. This saves local law enforcement time; they don't have to get a warrant for the bank's information--Debix has already provided the information. [...]
Sound too good to be true? In a study published by Julie Fergerson, vice president of Emerging Technologies, and Debix's Holland, the authors looked at 30,000 Debix-secured transactions during a two-month period at the end of 2007. Of those, 380 were identified as fraud and were stopped immediately. Overall, the rate of new account fraud among Debix customers was zero percent.ITRC's Foley said he was impressed with the results within the survey. Holland told me that during the survey period there were four instances of new account fraud. In each case, however, the financial institution did not call the customer. With Debix, though, you have some recourse. Debix maintains a record and can prove the institution in question did not attempt to call the customer."