Best practice recommends that passwords must be changed every 120 days and they should not be reused. So how do you invent a password that meets this criteria and still remember it?
A pass phrase is a combination of a memorable word mixed with some numbers, for example, 1dIwtl&e - one day i'll win the lottery and escape.
Best practice is to create a password that has:
- at least 8 characters
- at least 1 lower case letter
- at least 1 upper case letter
- at least 1 number
- at least 1 special character (?, *, %, etc)
- be all or part of your account ID
- be all or part of your account name
- be blank
- contain dictionary words
- contain more than 2 repetitive characters (Mmmmmm1, Ab77777, etc)
- contain substituted numbers and symbols for letters (3 for E, $ for S, etc)

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