Yeah, similarly, Lloyds/HBOS in the UK do allow you to have a master password but you also need to fill out a "memorable information" where you select 3 random characters from a second password. But you don't type them, you select them from a drop down. I can see how this would annoy the most basic of keyloggers but it is also a UX disaster and not suitable for decent loggers. Pisses me off.