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In the past, I have whined at great length about the fact that most new chip-based credit cards are chip-and-signature. This is both insecure—anyone can scrawl a signature—and incompatible with card readers in Europe. But the boffins who run our banks figured that Americans were too dumb to remember a PIN for their credit cards, so chip-and-signature it was.

However, my Wells Fargo debit card claims to be chip-and-PIN. Is it really? Today at the supermarket, a little sign told me that their card reader now accepts chip-based cards. So I stuck in my debit card. A few seconds later it asked for my PIN. Be still my heart! I entered it, and the transaction was approved.

So I can now report definitively that at least one debit card is true chip-and-PIN. And quite handily, the PIN is the same as the PIN for getting cash from the ATM, so it’s easy to remember. Thanks, Wells Fargo!

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We've never been very good at being conservative.

And usually, that serves us well in doing the ambitious, hard-hitting journalism that you turn to Mother Jones for. But it also means we can't afford to come up short when it comes to scratching together the funds it takes to keep our team firing on all cylinders, and the truth is, we finished our budgeting cycle on June 30 about $100,000 short of our online goal.

This is no time to come up short. It's time to fight like hell, as our namesake would tell us to do, for a democracy where minority rule cannot impose an extreme agenda, where facts matter, and where accountability has a chance at the polls and in the press. If you value our reporting and you can right now, please help us dig out of the $100,000 hole we're starting our new budgeting cycle in with an always-needed and always-appreciated donation today.

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