> in a PIN system if I know your PIN and get your card I can loot your account and you are SOL That's not entirely true - legally the bank has to carry out an

> in a PIN system if I know your PIN and get your card I can loot your account and you are SOL That's not entirely true - legally the bank has to carry out an investigation and prove fraud or negligence on your part. Simple use of the PIN is not sufficient evidence. Sadly, however, this legislation is not always followed to the letter and many customers do not force the issue.