Thanks Tim, I have 2 Factor on .some Windows (Desktop Windows 10) critical one's but I need to review the others as a matter of urgency.
I will not bank or pay with the phone as my background tells me anything that is transmitted over the air is readily detected with or without encryption which is only a matter of time to decipher if the will (money) is there.
Msoft are threatening not to support and upgrade Windows 10 on my sturdy and totally reliable Dell Desktop c20yrs which is where the work is done, so probably be forced to chuck a couple of french fries at it to take care of Windows 11 sometime.
The Inland Revenue, DVLA etc can take their chance as far as I'm concerned as they are well down the food chain tbh..