You did not note the extreme loss of security that paypal currently experiences due to paypal now allows login with NO password or challenge questions answered AT ALL! All that is needed as the single 6 digit code from the cell number paypal has on file to login and make charges to a paypal account. So if you lose you cell phone your paypal account is WIDE OPEN to whoever now has your cell phone. There is ZERO security in the case of a lost cell phone today with paypal. If you experience ID theft and the your cell phone SIM is slammed to a another SIM card again you paypal account become WIDE OPEN to the ID theft. This is a crazy situation in my experience.
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