I worked for the State of Pennsylvania for a while in their student loan department, and the passwords we had to access the student files had this pattern:
the first letter must be a letter, the second a single digit, and the rest must be a mix of upper and lower case with one punctuation mark somewhere in the mix. Passwords expired every 30 days, and they kept track of the last 30.
Needless to say, the majority of people were not happy with these restrictions, and it was not uncommon to see someone with a sheet of paper listing all of their passwords....
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