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I'm wondering whether they will ultimately restrict keyword suggestions to an existing page.
I think you cannot create Adwords account without adding credit card info.
I don't think they are doing this to make it harder to use. I think they are simply trying to get more people to login into Google to help with tracking, personalization & their Google+ initiative.
and some third parties offering paid keyword research tools are going to have a gr8 time with googlers help....