Interesting article and well done. There is a cryptographic time warp, however. I read the article today - 8/10/2006 and all comments are from 2005 - LOL!

Next article might be about generating your own application key (Banks - as the author certainly knows) require certain basic levels of encryption on data fields and we can generate many good keys to encrypt and decrypt with (3DES as one example). All we need is a seed and a vector and we can generate some really awesome encryption.