I disagree with your analysis and comparisons. The storage of the passwords is what is a safety risk. If a person uses a password here that they also use at Chase or TCF, and the password is here is hacked, then that person is at risk. As I mentioned in my previous post, that is my concern and why I have a site specific password I use for only this site. I wanted to bring this to the attention of others. Secondly, regarding cost. Kudos to you for running this site. As you know, I have offered to contribute to that in the past, which you declined.