Security

It’s 11:40 on a Tuesday and your phone lights up for the third time before lunch. The area code is yours. So are the next three digits, which is why your thumb keeps hovering. This time you answer. You say hello, get half a second of dead air — that little hole of silence — then a recording…

It’s 7:40 on a Tuesday and your phone buzzes face-up on the kitchen counter. A text from your bank: Did you send $400? Reply YES or NO. You didn’t send anything. So you do the careful thing — the thing your bank spent years training you to do — and type NO. Forty seconds later your phone rings,…