Bip39 phrase https://www.4shared.com/s/fAf7kF4dLku BIP85: A newer proposal enabling the deterministic derivation of a number of BIP39 mnemonic seeds from the master seed. For words that only have 3 letters, there isn't a 4th letter. As an example Using the word “insert”, there aren't any a lot more letters Later on https://bookmark-share.com/story20284755/keystone-bip39-bip39-ian-coleman-for-dummies-https-t-me-bip39-chat