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"My new bank, Ally Bank, configures a security question and answer for customer service calls. In addition to your SSN, date of birth, and mother's maiden name they also ask you the question you specify and wait for the answer you've provided. This is good, because many standard questions are guessable in a way that user-defined questions may not be.
A real live human operator always asks the question and waits for a real live answer. This measure has the potential to not just improve my account security but add entertainment value as well:" -
A statistically proven method for generating really good or really bad TED talks, without needing to know anything much.
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