have asked for identification before that card was used. jamie you bring up a good point. oftentimes it will tell you what you re liable for. read it. but the best defense is be organized, reduce the number of cards and as you did, freeze your credit report. this way you re never going to have to worry about that. one other thing i think is interesting, use a separate e-mail address just for shopping online or anytime you re going to get a receipt e-mails to you, use a separate one away from the normal one that you use. i like that. don t use your name or home address in passwords. passwords are so important. thank you so much, ed, who advises us on our money and our security and a bunch of other things. great to have you here. greg? how are you feeling in. better than you. because greg is a little under the weather today. yes. i have to be honest. but it s not the flu, i think. now wept to the doctor. i did go to the doctor, yesterday. i m feeling better today.