Got this plastic card in the mail today. Has a bunch of "index" numbers that are keyed to 3-digit codes. Sez in the letter to go to your account and activate under the User Management link. Wasn't there. I was puzzled anyway, because I already use the token device. Then I remembered my IRA account. I never got a device for that. So now, I guess, I will have to type in the codes from the card. Beats having to use the token, I suppose. Don't access that account much. Good trading to all.