Not to detract from the usefulness &c of the abovebut given that most of that is not exactly speaking my language (see aforementioned not being one of 'us lot', fancy tech solution wise), and that I'm a gnat's crotchet away from telling firms what to do with their 2 3 4 or 99 factor authorizations & going off grid - does anything about FIDOs etc etc apply to what I do when ebay or whoever won't budge til you give them a number and/or say they 'need to contact me by SMS', full stop? I assume full stop, unless they are keeping 6 sneaky alternatives from me. I take all the SMS vulnerability on board, and given that I don't want to use it either, what is answer..?