The number on the credit card (something you know), the other number on the credit card (something you know), the smartphone app connected to the bank (something you have[conditions apply]), and the pin number (something you know but enter into an entirely different system from the CC/CVV, the compromise of those two probably being heavily correlated).
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I predict that the constant drumbeat of "trans bad" will continue to work until parents feel secure that government force is not going to shut them out of medical decisions relating to their children.
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