[WorldMaker]

It still amazes that people don't know the chip readers work faster with PINs, too. An argument against PINs I keep hearing is that the chip readers are so slow that PINs would slow things down further. The funny thing is that the chip readers right now are waiting real wall clock time in a "wish-it-were-PIN" system to generate signatures in two different timestamps instead of generate a single signature with a user PIN. It's technically hilarious.