About the PIN thing -- I was confused too, because they never bother explaining to anyone. What actually happens is their system automatically e-mails you a new verification code (not a pin, if you ask me) while you're on the phone, and you need to remember to check whichever e-mail account that is and continuously refresh until it comes up.
It doesn't help that e-mail, like SMS text messaging, while being very fast is absolutely NOT an instant communication method. There can often be delays receiving a message with those technologies due to how they're designed.
I'd argue it doesn't accurately show the relative value at a cursory glance. The chart shows the area under the curve having decreased over 90%, but when looking at the y-axis, you can see that initial assessment was misled.
In a speculative industry like finance, shouldn't we try our best to make charts less... alarmist?