*@97oeh[5@9446Qg975%yq5-J6)qww294ewq43o9ht. That's a substitution for: I wouldn't worry about that-my passwords are long. For banking passwords, I use a subst

*@97oeh[5@9446Qg975%yq5-J6)qww294ewq43o9ht. That's a substitution for: I wouldn't worry about that-my passwords are long. For banking passwords, I use a substitution algorithm that's mathematically based.