The first step was to identify "Polaroidhead". By pulling up a script at http://www.angelfire.com/co/aplacetocrash/hackers.html, and searching for "Polaroidhead", we verified that as another name for the character Lord Nikon.
Then instead of combing the script, we Google'd the string "lord nikon shoulder surf", which returns http://mike.passwall.com/uselesstrivia/hackers.html as it's first result. This page describes the passwords Lord Nikon shoulder surfs while posing as a flower delivery guy. We tried entering "krmit" as the key, but when that didn't work we tried "kermit" and solved the challenge.