The strongest passphrase in your household can be undone by a support agent in four minutes, which makes account recovery, not password strength, the decision worth your attention.
Monitoring, freezes, or the full lockdown: what each response to a data breach notice actually costs in dollars and in week-to-week attention over the year that follows.
A single incident produces different notices in different states because different people write them. Knowing who they are tells you which parts of your response you can still undo.
The enrollment deadline on a breach notice is the company's schedule, not yours; the real cost sits in hours, and the expensive errors are the fast ones.