I've experimented with using transformations on the question text (e.g. using the third letter of the first word, the first of the second, etc, and then sprinkl

I've experimented with using transformations on the question text (e.g. using the third letter of the first word, the first of the second, etc, and then sprinkling capitals and l33ts by some repeatable and memorable process). It was a pain in the neck, so I went back to gibberish answers, and accept that every year or so I will have to call a couple of banks and ask for a password reset. They always ask for my security answers. I say "I don't use them because they are less secure than my computer and my password." They usually agree. I've also had success in the past with modifying the expiration date of the bank's "I remember you and your device" cookies. I usually forget to change them before they expire and get overwritten though.