Yeah, I read that guide block thing @brooke528 mentioned, and honestly warming the meat up a little first is a total game changer.

You're totally right about the test transfer being a red flag, I'd probably do the same thing if I ran a bank. My own fraud alert system is just as jumpy, I once got a text for buying fancy coffee in my own neighborhood. The real kicker is always the wait time to clear it up, feels like you're stuck in phone tree purgatory while the clock runs out on your bills.

Yeah I totally get that. I had to stop reading episode threads until after I watch. The takes just get in my head and ruin the vibe. Now I just watch first, doomscroll later.