[ApK]

Yeah, I've been explaining to my kids that they don't need to give accurate answers to security questions. You can answer "green" to "where did you honeymoon" as long as you remember what you said. You could, for example, just always answer "green" to any question about marriage, or any other formula you care to make up.

And I don't mind MFA as long as it doesnt slow me down too much, and as long as I don't need a dozen different authenticator apps on my phone.

"Good" MFA should be pretty easy in the age of smart phones, and yet people manage to screw it up.