> For example if my turing return code setting is like this :  
> ab"m"def       (a
> fixed character "m" in position 3)
>
> Turing code                Return code
> 123456                     12m456

I get it. I like this idea for some situations (still won't fix the 
challenge with creating multiple accounts though). If an account is 
randomly assigned a position for the user to 'fix' that would also make 
it so the user could not just pick a favorite position and character to 
use for other accounts.

Of course I would forget all these things even if I had just a few 
accounts.
        - savings is a 4 in the 5th spot,
        - company is a M in the 3rd spot,
        - goddaughter's savings is a 5 in the 4th spot :)

I think it is important to let the user supply a pgp key so that the 
current settings can be safely emailed.

But, to provide really safe logins we should have the option of 
requiring 1 time passcodes. Lose your list of ~20?, just request a pgp 
email with new ones. A hassle to enter, but not when a dumb mistake on 
my part would expose a years worth of my Au! ACK!

Jeff


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