RAL, you can't be more careful. Fraudsters are always a step ahead of us... Merchants need to up their game. (I work in payment processing). It does suck to be without access to money though. Hope it gets sorted quickly.
Courage, I am one of those need to formalize kind of people... Don't know why. Lol always have been though... But rituals, forget it. I can't form them.
Watched a friend's kids this weekend, it was fun, I'm just kind of beat. I have to take my son for a driving lesson and then I think stretch pants and Netflix are going to be the rest of my day.
Have a good one!