I only use my mobile for calls and texts, I will not use it for any banking or emails as i have never thought it was safe preferring to use a PC with security that I trust, I admit that it can sometimes be inconvenient but will not back down on it. One concern that I have is the insistence of some telcos that you have to pay your bill by direct debit, they will not accept any other form of payment, when purchasing my last phone from Telstra I had to hand over my debit card so that the direct debit could be set up. why could I not pay the way I have for the last 20 years, that is they issue an invoice for the monthly bill and I then pay it, I have never been issued with a default from Telstra, have always paid on time, but NO if I wish to remain with Telstra a direct debit is the only payment method that they will accept now. Why is it that the telcos have so much influence on our lives and are allowed to dictate to us like this. Yes it would have been easier to walk away from the deal for the new phone and go elsewhere but living in a regional area with limited mobile signal and Telstra being the strongest I did not have a choice, again I am being dictated to.