that could have used some more thought on my part

i've noticed the last few times i've logged into check my bank balances that there is a picture (that i selected) and the verbage of 'don't log in if you don't recognize your picture'.

i've been wondering, what idiot is going to change that picture if they get access to my account? that is a major tip off that something is wrong, and if i were to be that unscrupulous, i don't think that i would be dumb enuff to change that picture. altho now that i actually give it more thought, it isn't so much for a dumbass to change, as it is a visual aid to say 'you're at the bank site' and not some phishing site.

nevermind. i guess i'll shut up now. i was just looking at this from the wrong angle. now it makes more sense. maybe the bank isn't as dumb as i thought they were.