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I have requested another payment few months ago but it is gone - missing - removed. It was not paid, it is not in my payment history, it is not in my balance. Anybody has experienced any such problem? They don't answer emails ...

Windows Defender, it is free and in-build

Win10 is great unless you experience some rare problems. Much better than Win8.

One phone is enough unless you need extra one for work.

It is all the same Chrome ... but Opera has more features.