Thanks for all the information. I have a Mac Book, so Windows and PC stuff will not work. I never store passwords or save passwords. I'm pretty safe when it comes to that kind of thing. I write my passwords in a ledger and keep it next to my computer for reference. Mi Lady and I are going through some big changes right now and I may have some unexpected things to keep track of and I wanted another layer of security for those eventualities. Maybe a VPN doesn't offer that security. Thanks again!