# O 2.2, <s>48</s> 46 characters

 "qwertyuiop
 asdfghjkl
 zxcvbnm
 "i/r;s{n.U=ST?}d

Sample run:

 bash-4.3$ ./o keyboard.o <<< 'f'
 g h j k l 
 z x c v b n m 

## O, 61 characters

 "qwertyuiop\nasdfghjkl\nzxcvbnm\n"i/r;""/rl{.o"\n"={}{' o}?}d

Sample run:

 bash-4.3$ java xyz.jadonfowler.o.O keyboard.o <<< 'f'
 g h j k l 
 z x c v b n m