Great thoughts. You've highlighted some of our hurdles. I helped develop the app with Robert. There does seem to be a trend to make passwords less restrictive

Great thoughts. You've highlighted some of our hurdles. I helped develop the app with Robert. There does seem to be a trend to make passwords less restrictive (or at least longer). For example, Schwab just removed their ridiculous 8-character restriction this summer. Hopefully that continues. In the meantime, we address that issue a few ways: 1) we have a report card that you can check while writing a recipe that guides you toward producing more universally accepted passwords 2) if you find a password still doesn't work for a particular site, you can affix a "note" to that recipe so you can record the adaptation (e.g. "change $ to &") I use Password Chef for everything, and have a surprisingly few amount of notes. So few, in fact, that I have memorized the adaptation I need to make for most of them. Thanks so much for the comment!