[kleiba]

I have genuinely no idea why I need a smartphone to get a line of credit, and that there is no alternative for people who don't have one.

Also, the thought that we as a married couple are not an entity is strange to me, but I guess that's the modern way of thinking, and I am old.

[stetrain]

If it was an SMS verification code, you don't need a smartphone. You need the kind of cell phone that's been around for 20 years.