The riddle setup is along the lines that when the website asking for your PIN does so, it will ask for it by creating a larger PIN and place the true values in positions W, X, Y, and Z (which change each time). You are then free to fill all the remaining positions with random numbers. The riddle itself is to determine the PIN after capturing a certain number of succesful logins. Forget I said ATM as this was web banking.
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