One thing I noticed a couple months ago with logins is a little weird. Sometimes I know I type the last character of my password wrong, it still lets me in. Then one I got to use a app that has keychain it asks for my password to unlock it. However, it will only ask for the keychain password the times I typed my password wrong. Its been like this for a long time. I am not sure if this is a feature or a security hole. It does not let me log in when my password it totally wrong. But only one digit (i think its close to the end) and its lets me in. I am running 10.3.9 So I don't know if this is the same for 10.4 Just wondering if its just me.