Good point, but this is a major bank with far more than 10,000 ATM PINs in circulation - perhaps 100 times that number. As people choose their own, I assume every possibility (is 0000 allowed?), is already covered many times. I know that in the UK lottery people think 1,2,3,4,5,6 will win them the jackpot as an only winner, because they see it as an unlikely possibility (except, of course, it is as unlikely as every other combination!), but about 10,000 people choose that number combination per draw. In case this is seen as 'off topic' can I point out that once I tried to buy a lottery ticket and it was 'out of stock'*. So, thread topic maintained. * Not really.