[WaitWaitWha]

Apologies, but do not understand the question.

Are you suggesting using smart phones should count in "not allowing it in"? Then yes, I try to where possible. I do not depend on a smart phone. All functionality that are operationally necessary can be done elsewhere without major delays or impact.

[afh1]

Interesting. How do you handle MFA, do you have a special device for that? Your bank/brokerage don't require their app?