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That is all good... But if you allow your surfer to make their own username/password combo that all goes out the window.
If you do... and you own Met-Art then I hack into X-Art with server level access and steal their combos... Now I have a list of tens of thousands of people that enjoy nude art sites and have all join the majority of them at one time or another.
So by the time I run 50 combos on your site I am in 2 or 10 times or so...
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