The other side of this is that from the user side it gets to be prohibitively difficult to access your online information.

I recently had to register at a site to update some personal information and had to come up with an "exactly" 14 character password, with a mix of upper/lower case, numbers, and symbols.

You can bet the next time I have to access that site, I will be clicking on the "forgot password" button.

There are some sites where I have to enter my login name, my password, my pin, and also answer my personal questions. I'm okay doing that, but at some point you just can't remember all that.


John

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