Actually, Bank of America does this as an anti-phishing measure. They have you associate some text with one of several dozen images, and then they display your text with the image before they ask for your login password. While not foolproof (for some values of 'fool') this seems to be a reasonable security measure, and it might be a fun feature to implement, even if it isn't really necessary. :)
No good deed goes unpunished. -- (attributed to) Oscar Wilde
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