People.... All of you with the pipe character are outta your minds.... Show me a competitive keyword like "home loans" where any of the top 5 sites have used symbols or keyword | keyword | keyword When in doubt ALWAYS look at an industry that spends millions on the web. Insurance, loans, and cars would be a good place to start. None of them use crappy titles.
I use pipes all of the time with a lot of success. Here's a #1 listing for SEO software. (Note the others on the same page using pipes) http://www.google.com/search?source...&rls=GGIH,GGIH:2007-05,GGIH:en&q=seo+software The sites for highly competive terms like "home loans" are number one for other reasons. (backlinks, content, domain type etc.) however the pipes would NOT hurt them.