Re: Dunce Cap tip
It annoys me that they ask for characters from my secret thingy, but it's the first, last and second last. The field is limited to 10 characters, so my usual three-word phrase trick often exceeds that.
Battery Horse Staple.
What's the final character?
Not what I have here.
Oh, hang on, 10 characters, right? R
Now if they has asked for character 10 in the first place...
Mind you, making a deliberate mistake and being told it's wrong has some reassurance value... I always enter my PIN wrong the first time at an unfamiliar cashpoint. Just in case you know.