Ron has to answer all of his security questions to identify himself every time he logs into his banking website. This is because his browser's cookies have been cleared out. He had the browser set to automatically delete all cookies when he exits. Cookies aren't bad, they simply store information so the user doesn't have to re-identify themselves every time they go to a site. If Ron sets his browser to not automatically delete cookies, he won't have to go through that whole process to identify himself every time he goes to that site.