I wish to answer all your questions with this only message. 1. The F key doesn't work because the site does not have an edit field in which to type the pin digits. 2. sadly, the digits are represented on the screen like buttons being clicked with the mouse, so that B key has no effect! It would be a great dream, like a blind driving a car, if webmasters converted graphical buttons into normal textual clickable buttons! 3. using the virtual viewer or navigating in JAWS to PC cursor mode, gives no result! This happens on the Italian site... but I think ING Direct - being a worldwide on-line bank - uses the same system anywhere. Many blind colleagues here in Italy remarked this discriminating fact by contacting their operators, with no positive changement. Bye