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I just came up with an algorhythm that utilizes the name of the website requiring a password. For example, for this site, I'd use smartxxx99, where the xxx99 is the same for every website. For CBS.com, the password would be cbsxxx99. I just don't share the xxx99 with anyone so it is easy to remember 100's of passwords without having to pay for software like Roboform.