A person is seen riding along the water in a kayak. the person

uses a paddle to push themselves around the water while looking off into the distance.

How to keep your bank account information secure 
Avoid writing checks if your account has them. 
While once the most common method of paying people or merchants for purchases, every check that is written contains everything needed for a fraudster to compromise your account, including your name, account number, and bank routing number. 
Use a p2p (person to person) payment service to pay other people when you owe them money.

Many banks offer this service at no cost for their customers. Use debit or credit cards to pay merchants rather than writing checks.

How to practice openness in a relationship 
Choose good times to talk. 
If you want to foster open conversation, talk regularly. Be on the lookout for times to talk to your partner, especially if you're bringing up a potentially touchy or stressful subject.

Talk at a time free of outside distractions. For example, stop your partner to talk when they're lounging in the living room after dinner.

The man is now back at his starting point where he was originally standing and he's talking again. the special affect screen


appears with a wooden background and 4 different pictures on the screen with words under them.