@ebikemom The security certificate has expired for the EBR website creating problems for folks whose browser security settings are excluding insecure sites. Please have one of the EBR tech people address this issue so things can proceed smoothly for all.
These days, in an age of moreagressive and evil internet attacks a VPN becomes more and more important. We do all banking, investments, and secure transactions by internet. A VPN is sturdy and only source of protection. At least in my experience, but as always YMMV.