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Pattern phone lock. Is it secure?

I am wondering how secure my Smart phone is? I have banking and other sensitive apps on it. Right now I have it set so that I have to input my password on every app that uses one every time I use it...

A real pain.

I keep the phone locked with the standard pattern lock with a a pattern that hits 6 of the dots. In a not obvious pattern.

How secure is the pattern lock?

What is the best way to really secure this smart phone.
 
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