Revise the following dense, wordy paragraph to create an introductory sentence plus a bulleted list.

We all know that ATMs are quick and convenient for accessing your money, especially if you are having a cash emergency. But not everyone uses an ATM safely. To do so, there are a few procedures that you can follow to feel safe. First, don’t use an ATM unless it is located in a well-lit area that is also busy. This is especially important after nightfall. Next, a careful person will look around to see if there are any suspicious people loitering about. It’s always wise to use a challenging PIN, which should have more than four letters or numbers. When you approach the ATM machine, check it out. Do you see any false fronts or anything doubtful? Finally, you must always protect your PIN. One way to do that is by placing your hand over the keypad to act as a shield.

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