Jane, the efraud department woman did apologize -- repeatedly -- but she threw it away with her blase, uncaring attitude and remarks like "Well, these things happen" and "No system's perfect." She refused to acknowledge that their security protocols are flawed and that something needs to be done so that this doesn't happen again, whether to me or someone else. She acted like it was a minor issue and that nothing could be done. That's when I gave her (brief) lecture #23 on software can be fixed. Her "Glad everything's OK now" simply didn't work for me.