Apple joins Google for 2-factor authentication. http://www.iclarified.com/28490/apple-adds-twostep-verification-security-option-for-apple-ids It would be nice if we could agree on a single phone app for the pin, but hey, that's the price of bleeding edge.
I've looked into banking 2-factor auth and it turns out there is a middle man solution .. I forget who manages it .. but it can use a card or a phone app. So in 2-4 years it will be relatively standard. Hope it works well enough. -- Owen
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