> What bank uses fixed passwords (rather than a sheet of single-use codes)
> and thinks that it's safe?

Several banks in the UK use a small battery powered card reader. When 
you make a transaction you need to insert your bank card, type in your 
pin, then enter the numbers from the website (usually the destination 
account number and the amount). The card reader then displays an 8-digit 
code to enter back into the web browser.

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