This pilot fish is paying his monthly bills online when he discovers one of his utilities has changed the payment part of its website — a lot.

"I clicked on the 'Payment' button, and saw that I now had the option of paying with or without logging in," says fish.

"OK, the no-login option could be handy, but I've been paying this bill online for years, so I clicked on the login option. It asked me for my user name and eight-digit PIN. What PIN? I have a long, secure password. I tried that. It didn't work."

And after several unsuccessful attempts, fish tries the no-login version — which just takes him to the same screen asking his PIN.

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