The ING smartphone app can now also be used to approve payments (https://www.ing.nl/particulier/mobiel-en-internetbankieren/i...), but that doesn't exactly remove the phone dependency.

I think GP means the percentage of homeless people that have a mental illness is similar to the US, not the percentage homeless compared to the total population.

I got 30800, and I am a native Dutch speaker. Though I have to say that I consider English my co-native language. Most of the media I consume is in English, and in my work environment (IT) English is the default language. But most of the words in this test I knew from reading books, as it is one of the few places where using a very wide vocabulary is not frowned upon.

Same here. Also a native Dutch speaker, but by far the most of my daily communication happens in English. I scored 25600 on the test.

My use of English is limited to daily-use for the most part. Apart from IT terminology, I rarely encounter field-specific words. Nor do I read literature.