What protection does the onscreen keyboard (In XP ..... programs > accessories > accessability > On-Screen Keyboard) Give against .....
> Spyware / Trojans
> Software keyloggers
> Hardware keyloggers
If as I suspect it only protects against Hardware keyloggers are there any utilities availabe for general use, that would act like the java password utility on this page
(click on the blue circle)
By general use, I mean a utility that will not allow a keylogger to record a password when it is entered using the utility.