For pairwise disjoint finite sets, the rule of sum gives
The password sets of different lengths are disjoint, so the required number is .
The rule of subtraction is
In particular, if are finite sets, the set difference has cardinality .
The rule of product says that a sequence of choices, with possibilities at stage regardless of earlier choices, has possible outcomes. Applied to the Cartesian product of finite sets, it gives . Here independence means that the available choices do not restrict one another; no probability assumption is needed.
The rule of product counts unrestricted passwords and passwords containing no A. By the rule of subtraction, the answer is

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