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I completely agree;

http://bluedeckshoe.com/2012/10/15/are-you-who-you-say-you-are/

Good post, although I think you probably have two or three blog posts in one. Requirements are absolutely key and the Pareto rule normally applies. 80% of the value will come from 20% of the requirements. I believe that agile development is the key to making sure that the right requirements get the limelight.

Thanks for your comments.

The card companies got through to my wife because I was in the Apple store at circa 6PM Vegas time and I as I said - the fraud department doesn't wake up until 9AM UK time. At that time - I had switched my phone off to get a good night's sleep.

Thanks also for all the suggestions about various point / niche solutions. If any of my card operators have these technologies - they are not telling me about them. I would welcome a more industry wide approach.

By the way - I can make a paypal payment from anywhere. We could do with someone upsetting the oligopoly of Mastercard / Visa / Amex.