> all your devices are opaque Point taken. I'd take a maximum transparency keyfob-type device. By "maximum transparency", I mean I'd have to be able to assemb

> all your devices are opaque Point taken. I'd take a maximum transparency keyfob-type device. By "maximum transparency", I mean I'd have to be able to assemble it myself, from COTS components, and understand any software it runs. But I have no idea how to make such a thing (I've tinkered a bit with microcontrollers and TTL). The closest I'm aware of is the fob my bank gave me; it has a number-pad and a display, you read a challenge off the screen, and trype it into the keypad. It displays numeric response, and you type it into the website form. That seems cool, if I could build the device myself, or even know what it does.