We are still waiting on compliance standards to update their password change policies to reflect what most people have been saying for over a decade, that frequently changing passwords are a security risk..
I soon realised that "ShitFuck!", thus, was a valid password -- and off I went. Meanwhile, a teammate who had previously been a technical writer contracting with the NSA told of the "waterfall method" -- not of software developments, but of passwords. It was common in his world, apparently, and you could always hear he was typing his password by the staccato of QazWsxEdc123, etc.
https://pages.nist.gov/800-63-3/sp800-63b.html#memorizedsecr...