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Erich - and etal, Fascinating conversation. Really appreciate it. I'm left still wondering how to learn how to check that a connection is secure with a valid certificate? It seems a VPN would just keep where you visit private but little to no protection from fraudsters. I'm exploring https://privacy.com/ as a protection against fraudsters. I suggested if the patron's banker will allow the to pay their credit card online bank on the brick and mortar's computer they would be better protected than getting a VPN. Thank you all. Charles.