@IRonMaN Does your liability insurance cover you for recommending that a client learn online banking at age 80, when her computer with inadequate virus protection is then hacked and she loses her life savings?  

Elsewhere, I found six "empty" messages on my office phone voicemail this morning, left within five minutes by (according to Caller ID) Chase Bank.  Several different numbers.  When I called one of them, a friendly banker told me this is a scam by someone impersonating the bank.  I thanked her for her help and noted that Jamie Dimon makes enough money that he doesn't care about sending out proactive notices to us "little people."