Several months ago, ING started using a new security technology to allow users to login to their site.  The new system requires users to identify a previously selected image and phrase or else be asked any of several security questions.  Once the image and phrase are correctly identified, the user's computer is semi-permanently paired to ING's system, which means the security questions will no longer be asked.  Ever since this system has been in place, I've been confused by it.  I don't understand how it's any more secure than what they previously had.  This guy agrees with me, saying Bank of America uses a similar technology that can be somewhat easily cracked. #technology