On Thu, 2005-02-03 at 05:07 -0500, Lars D. Nood�n wrote:

> Also, IMHO, if your bank does not use a one-time pad for passwords as 
> *part* of the authentication process, then you should switch banks ASAP. 
> Usually when switching bank, you can negotiate better deals and a few 
> perks depending on your skills.

I know of no banks that use a one-time-pad which is the most secure
method to encrypt a message.  A one-time-pad is a random sequence of
bits the same length as the message you want to encrypt.  You simply XOR
the message with the pad. The receiver uses the same pad to decrypt the
message.  The random sequence is then thrown away and the next sequence
in a list is used.  The sender and receiver obtain the list of random
sequences via a secure communications path. e.g. a courier.

This is way overkill for almost all commercial computing.
-- 
Smoot Carl-Mitchell
System/Network Architect
email: [EMAIL PROTECTED]
cell: +1 602 421 9005
home: +1 480 922 7313

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