gmail at least has two-factor authentication http://googleblog.blogspot.com/2011/02/advanced-sign-in-security-for-your.html http://googleblog.blogspot.com/2011

gmail at least has two-factor authentication http://googleblog.blogspot.com/2011/02/advanced-sign-in-security-for-your.html http://googleblog.blogspot.com/2011/02/advanced-sign-in-secu... yet my bank's web site, not so much.