Dumbest idea I've seen in a while. The whole point of the box being unchecked by default is security. By checking it by default, you're forcing users on public computers to remember to uncheck it, and if your users are too dumb to check it, then they're certainly too dumb to uncheck it.
My members aren't the brightest bulbs in the box, but on the rare occasions I have to tell them to check it, they do. If they're really too stupid to check it, then I really don't want them as members.
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