Delivery of encrypted sensitive information and transactions: Strongly encrypted sensitive information and the associated encryption key(s) may only be delivered together by hand. Strongly encrypted sensitive information may not be delivered without the associated encryption keys in any medium by any route, including by mail or email. Strongly encrypted sensitive information and the associated encryption keys may both be mailed only on different days. Otherwise, encryption keys may only be delivered by fax or phone. All transactions are made in secure environments with pin base or password protection.