Yeah it's so hard to keep up with all this stuff! And some of the restrictions drive you nuts. We just changed health insurance plans at work this year, and the first time I logged in to their web site I had to set up 3 security questions... two from their list of standard questions and one completely made up.
For one of the standard questions it asked about my first school. But then it wouldn't take it. Because of a non-alphanumeric character. Namely the period in "St." Well, that should work out well for them... I mean, how many schools could there be named after St. somebody?
Then for the last question, and pardon me if anyone is offended, but I'm just telling it like it is. I put in a question having to do with my pet cockatiels... and it rejected that one on the grounds that the question contained profanity.
But the worst part is that after I have to make up all these passwords.. and usernames (sometimes I have as hard a time remembering the username as the password)... and secret questions... and PIN codes... and this .. and that.. and the other.... then I have to give them all to my wife or she would not be able to get in to the accounts!!! arrgggh.