Password requirements enforce complexity of your password on a site. So it will determine if you have to use upper and lower case letters, numbers, symbols and the length of the password.
Private key files can have passwords on them but this introduces complexity in your server configruation. Microsoft makes it easy by asking you for the password when importing the certificate now. However, certain Linux services are quite a bit harder to configure. You usually end up creating a script that echos the password when the time is right.
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Answered: what are password requirements?
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