jim, our money guy at exo talked to the bank to clarify what constitutes a second form of i.d. - they said a work i.d. card would do - so i spent fifteen minutes whipping up a "work i.d." [bad picture and all] then went to kinko's and paid the gentleman behind the counter to print out a high quality copy of it and laminate it.

total cost, five dollars. now i have a second form of i.d. neener.