Yes, to both. Gov could do better, and in the meantime until if/when that happens, may be worth it to use a trusted source (Apple) to manage that for you. Lik

Yes, to both. Gov could do better, and in the meantime until if/when that happens, may be worth it to use a trusted source (Apple) to manage that for you. Likelihood of Gov doing better seems tied to how much they can get away from Wall St. funding/defunding their re-election campaigns.