Don does a lot of online banking, but he's wondering if using the hotspot feature on his phone is safe. Leo says yes, it's encrypted. But he should remember to lock his computer with a password. If someone can get to his computer, then they can get his password. But his hotspot is encrypted.
Leo also recommends using a Virtual Private Network when he's on a public Wi-Fi hotspot. It burrows a tunnel through the internet that is secure and encrypts all of his activity.