–Got a call from Vanguard and sorted out my login problem. It was not–as I suspected–a case of all new accounts having a seven-day hold. It seemed to be the the ad blocker in Edge. I white-listed V in the blocker and all seems good. It looks like I could get access to Grace’s accounts, but I’d need her phone for the 2FA.
–Tried to buy some bitcoin at Kraken, was told no: $10k max in a rolling seven-day period (I was able to buy $5k Algorand yesterday via Heritage). This is getting surrealistic.