I like PayPhrase. I stumbled into it today and it suggested I was a genius. (On a more serious note I bet you I can 100% predict exactly what my close family m

I like PayPhrase. I stumbled into it today and it suggested I was a genius. (On a more serious note I bet you I can 100% predict exactly what my close family members, and probably close friends too, would use for both phrase and PIN. Egads, this is terrible.)