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Nice step by step summary. I use Two-Factor Authentication across a lot of my accounts. I feel a lot more secure when I can telesign into my account. If you have that option available to you use it, it is worth the time and effort to have the confidence that your account won't get hacked and your personal information isn't up for grabs. I'm hoping that more companies start to offer this awesome functionality. This should be a prerequisite to any system that wants to promote itself as being secure.