The long-term results are not very impressive: Over the two full market cycles Pin Oak has averaged a compound annual return of -6%, putting it 8 points behind the 500 index.
And again, remember that a joint return requires two signatures: if you are filing a joint tax return, you and your spouse will each need to create a PIN and enter these PINs as your electronic signatures.
However, the firm does not believe return customers at its UK stores were affected - or that chip and pin data in the UK was accessed as none is stored on the systems in Watford.