I am constantly amazed at the number of sites which FORBID the use of 
special characters in passwords and userid's.  And by the sites which 
LIMIT the length of passwords and userid's.  Since the number of possible 
combinations increases exponentially with the possibe values for each 
character and the number of characters, I cannot fathom why they impose 
such limits.  But they do on such financial sites as Vanguard Mutual 
Funds, Scottrade, and World Savings.  I eMail them regularly and complain, 
but I have seen no changes so far.  There may be a case for forbidding 
certain special characters, and I  think that requiring special characters 
might be counter productive, but I cannot see any logical reason for 
completely forbidding them. 

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