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I can attest that entering a ~32-character-long ~base64 password on PSN is a real pain in the ass. :)

This. The problem with secure passwords that I use (I switched to mainly unique passwords after the gawker incident) is that they are pain to type on things like xbox, android, etc.

Not only that, but some sites won't accept special characters in the password... now what do I do? I break out some crappy password that I have a chance in hell remembering.

Case in point, Discover Bank doesn't allow special characters in the password. Really now?

A bunch of banks don't allow special characters, some people have said it is so you can enter it over the phone (something I've never come across but I kind of doubt that.

If that really is the case, they are probably throwing out whether each character is upper or lowercase as well :/

You could just plug in any standard USB keyboard...

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