Interesting article here http://www.guardian.co.uk/technology/2007/dec/06/onlinepasswordssecurity
The whole question of passwords can only get more difficult as we need and use more of them, Noreen. I've been using non-dictionary, alpha numerics, for some time now, and I store these in an AES database, protected by a very strong alpha-numeric key, which is the only one I have to remember.
Even so, the worry is always that I might forget that one...