Last month, I paid my electricity bill over the phone using one of those automated payment systems. First, I was prompted to tap in answers to various security questions, including my password and the first and fourth number of my PIN. Then, to prove I’m not a robot, I had to identify traffic-lights from a set of pictures that I could hardly see clearly on my phone. I’m not complaining, I’m glad they take the security of my account seriously. Last thing I want is for one of those cunning, unscrupulous cyber-criminals to pay my electricity bill for me!