I'm guilty of this as well. Just a week or two ago I went up to 23. Adding one for the first period when I had no number on the password, (90 * 24)/365.25 = 5.9

I'm guilty of this as well. Just a week or two ago I went up to 23. Adding one for the first period when I had no number on the password, (90 * 24)/365.25 = 5.91 years I started the first week of December, 2010.