I'd like to listen to what you do to manage passwords and security phrase/question/answer for your mission-critical finical accounts. Do you use multiple passwords? Do you alter your passwords periodically? Have you been paranoid about getting your passwords compromised as well as lost. To me, it is really a pain when you forget a password and have to call the companies to reset it. IMO, This procedure actually could compromise the integrity of your privacy and security even more. I'd like to hear all experience to deal with the problems. I am crazy on this. Thanks. By the way, I trust no software solution for the problem. The reason I post this in the software forum is because I don't want this goes to chi-chart. I guess this thread can easily be designated to the psychology forum as well.