Error message on download. Over and over. And at Vanguard login, now they don't recognize my memorized credentials, lest I be a "bot". So one must tediously enter userid and password. Then MANUALLY download where Direct Connect now fails. Repeatedly. Perhaps same problem with Quicken credentials appearing to be a "bot". Sure hope Vanguard fixes this new security policy so it works smoothly and does not remain a bothersome nuisance.