I think that using password schemes is bad. Because in order to be useful, the method needs to be fast, simple and replicable. Suppose that someone creates a fa

I think that using password schemes is bad. Because in order to be useful, the method needs to be fast, simple and replicable. Suppose that someone creates a fake website in order to grab one of your smart passwords. If he understands that you use a method, he will try to deconstruct the method based on the fact that his website surely is included in some manner in the password itself. Also, since many people who use these methods tend to divulge them to the community, there isn't even a need to create a fake website to understand your passwords. The only solution that really works is to use a password manager. My favorite obviously is Passpack, because I am a co-founder, but regardless of which software you choose the important thing is that you use it. My advice is not to relay on any clever schemes because you may be in for a bad surprise.