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Do you live in an apartment, or condo, or some place where other homes are close, maybe just a wall separating you, or in a dense urban area? There are other punctuation characters that could be used instead of the pipe symbol, the 1 or the / for example. I can understand wanting a hard to crack password if your family is using their bank over the wifi, but it's just for that reason that I only do my banking (or anything involving money) on my PC that's connected to the router with a cable.
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