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I'm not understanding something...
using the passphrase will create a different checksum for the whole set, correct?
If you just use the seed phrase, you get one private key
If you use the seed phrase (which still has the SAME checksum, that's just to make sure there's no typos, etc., in the first 11 words) AND a passphrase, there's no separate checksum. But it does create an entirely different private key.
Apparently forgetting passphrases is one of most common problems, in self-custody bitcoin.
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